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

Upon opening my Virtual Wallet Performance Spend account, I was excited to learn about the promotional offer, which stated that I could earn a {$200.00} reward for opening and using a new Virtual Wallet with Performance Spend. I carefully reviewed the terms and conditions outlined in the offer, and I am pleased to confirm that I have met all the requirements necessary to qualify for this bonus and it was applied to my account upon opening. 

To recap, I opened my Virtual Wallet Performance Spend account online within the specified timeframe of for the bonus. Additionally, I ensured that a qualifying direct deposit was received within the first 60 days exceeding XXXX XXXX of opening my account, as required by the terms of the promotion. 

Despite fulfilling all the necessary criteria, I have not yet received the {$200.00} bonus as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via Experian and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
Product: Payday loan, title loan, or personal loan

I went to Titlemax to borrow {$1500.00} against the title of my car XX/XX/XXXX. I was given {$3100.00} and now I owe {$15000.00} in order to satisfy the loan at 100 % interest, from what I am gathering online this interest rate is exorbitant and well above the legal maximum allowed. 

I also had another title loan in XXXX of XXXX with the same company where my Vehicle was repossessed by them, they charged illegal exorbitant interest on that loan as well.
Product: Checking or savings account

Dear CFPB officer. 
I received an offer in the mail ( attached ) from Citibank  to open an account and fulfill the terms and conditions to receive XXXX XXXX XXXX  Aadvantage miles. I opened the account online on XX/XX/2019 and completed the required deposit ( {$15000.00} ) on XX/XX/2019. I maintained the minimum balance of {$15000.00} for more than 60 calendar days following the date of the deposit. However, I havent receive the bonus yet. I did a chat with a citi bank representative on XX/XX/2019 and they confirmed that I met all the requirements and I should receive the bonus on XX/XX/2019. 

I did a second chat with a citi bank representative on XX/XX/2019 and they again confirmed that I met all the requirements. In addition, they mentioned if the bonus is not deposited by XX/XX/2019 then they will submit the dispute. 

I did a third chat with a citi bank representative on XX/XX/2019 and they submitted a dispute regarding the bonus. They specifically said We have placed a request regarding this to our promotional marketing team. You will be notified via e-mail and outcome of the investigation within 3-5 business days. Till todays date, I neither received any email and outcome of the investigation nor the advertised bonus. I have saved the transcripts of all my chats and can present them as a proof. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX {$830.00} THIS IS FRIVILOUS AND I CANT GET ANY ANSWERS FROM FIRST PREMIER. THEY HAVE LITERALLY BELITTLED ME AND VIOLATED STATE LAWS. THIS DEBT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Product: Student loan

Hello, My loan is serviced by Navient, it is federal Stafford subsidized loans which according to department of student aid and my local senator 's in congress are supposed to be paused under Biden 's student aid pauses for loans. Navient has ignored this completely and harassed me for the last few months. I know multiple people who went to same school and have identical loans with Navient as I do that are on pause and have had no issues. They are both Stafford Subsidized loans. Every person I've talked to that has a Stafford loan is paused. All my other loans are paused as well. 
Secondly I have a valid IDR that I gave them prior to the pause extension with paystubs that would put me at {$0.00} but once the pause was extended they magically lost this. They are now harassing me and threatening to report me to credit bureaus. I just lost my mother to XXXX on XX/XX/XXXX this year, I lost my job, I'm literally holding on by a thread and credit is something that's helping me keep my head above water for bills and rent. If they send that they'll essentially be forcing me out of my home and to be homeless. Navient didn't even care when I informed them of my mother 's passing and my IDR. They are predatory and would rather get paid {$200.00} even if it cost a person their living situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX XXXX XXXX XXXX XXXX XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. XXXX XXXX ( XXXX XXXX XXXX and TransUnion have continued to report this fraudulent account to my credit report after confirming with me it would be removed ; regardless of the documentation supplied confirming the account is indeed a result of identity theft.
Product: Credit reporting or other personal consumer reports

The company provided the same general response that they initially provided. I again had requested validation for where my security deposit went that was outlined within the signed lease. The amount of my security deposit should have fully covered the amount sent to collections. I am requesting a full itemized balance sheet from the inception of the leases to show where those funds went. If not, I am requesting immediate deletion from my credit report. The company requested an additional XXXX  days on the previous request and did not complete what was asked and requesting that this be finished within the next XXXX  days. This in relation to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

almost all of these inquiries are unauthorized. some are duplicates, some have been ran at random. dating all the way back from XX/XX/XXXX-XX/XX/XXXX i have attempted to send letters to the companies as well as call the different credit agencies ; Experian, XXXX, and XXXX. I haven't gotten any results from either agency. these companies took me for granted and ran my social thru multiple banks. this has truly damaged my credit and it's not fair, because i have worked very hard to get my credit score at an exceptional level only to have it damaged. my attachments show all the dates and companies, along with the reporting agency.
Product: Checking or savings account

I have a XXXX account with Marcus by Goldman Sachs. On XX/XX/2024 I submitted a request to withdraw XXXX dollars.. The transfer was pending for a while then got reversed, I called the customer service and told me to make another transfer to another funded account that is linked to my savings account with them and should receive my money the next day. 
I did that and submitted another request to make a transfer from my Marcus XXXX Account to my checking account with XXXX. Unfortunately this transfer was also reversed and they even put a freeze on my account and locked all the money that I have.. I called them multiple times and none of the representatives was able to help! They keep transferring my calls between them and giving different and unrelated excuses, I provided them with all my personal information and still cant access my money or withdraw any amount, They completely disabled the option to transfer money in or out, and they put my calls on a super long hold.. I am very stressed and XXXX sick of what they have done, I am unable to pay rent, bills, food because of they are holding all my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage banker ran a credit report on XX/XX/22 on both my husband and myself and EQUIFAX shared our information without our knowledge. We started receiving calls on XX/XX/22 from " mortgage lenders ''. Some of these calls were menacing in nature. We were told by 2 of marketers that the information came from EQUIFAX. There were so many calls that my husband wasn't able to work using his cell phone. We called our mortgage lender and were told that they did not sell our information. We then called EQUIFAX on XX/XX/22 and they denied any wrongdoing. Again, two of the " lenders '' that called, told us they got our information from EQUIFAX as potential " leads ''. These calls have been extremely disruptive.
Product: Debt collection

Upon reviewing my credit report, I identified multiple fraudulent accounts that were added without my knowledge.
Product: Credit reporting or other personal consumer reports

We found the company was reporting personal sensitive information regarding bank accounts that should fall under the bank secrecy act. We contacted them trying to get more information and or details in attempts to resolve the issue. We were told that we had to fill out a form to request the consumer report. We did so on XXXX XXXX at XXXX ( see attachment ) and provided all necessary identification documents. We received no response as of today which qualifies as a violation of the fair credit reporting act and we are due compensation for this violation as well as remedy in form of this company removing my information from their database as I never gave consent nor can they provide validation of the alleged debt.
Product: Debt collection

Comenity Bank -They called a family member that Ive been hiding from that I havent spoken to in years and told they were looking for me.
Product: Debt collection

XXXX allowed an ex-boyfriend open an account in my name without me being present in XX/XX/2018 He signed his name on the paperwork. I contacted XXXX and said I was not taking on this account that it was done without my authorization, I wasnt present and they shouldnt have allowed him to open it in my name. XXXX did end up removing it from my file and now several years later Jefferson Capitol Systems has reported this as a collection on my credit account once again in XX/XX/XXXX. I still have never opened a XXXX  account and have disputed with my credit accounts but it still hasnt been removed from XXXX and XXXX in fact they updated it as derogatory again last month. This XXXX XXXX old invalid collection needs to be removed from my credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you in advance.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to FM/FIRSTMARK SERVICED XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or FIRSTMARK SERVICEDs customer service representative.
Product: Mortgage

On or about XX/XX/XXXX, I contacted Wells Fargo requesting documents and information pertaining to my now closed mortgage loan. 
On XX/XX/XXXX I contacted XXXX XXXX at Wells Fargo, and asked why I have not received the information that I requested. He stated that they have to open a case to produce the documents. I then informed XXXX XXXX that they are obligated to fulfill my request for documentation according to Federal laws. Wells Fargo grossly mismanaged the account and had applied charges to my account that were unauthorized. In addition Wells Fargo failed to provide statements for XXXX, XXXX, and XX/XX/XXXX. During that period I made several payments to Wells Fargo, totaling in the thousands, that Wells Fargo knowingly and intentionally did not apply the payments so that they could add them onto my loan balance. 
Here is a list of the requested documents from Wells Fargo : Breakdown with details regarding the {$25000.00} that was added to my loan balance XXXX statements Response as to whom owns the loan Breakdown with details for theremediation check in the amount of {$710.00} dated XXXX XXXX Escrow statements for XXXX, XXXX, XXXX, and XXXX Mortgage statements for XXXX, XXXX, and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on AMEX from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )
Product: Money transfer, virtual currency, or money service

I'm a XXXX  XXXX XXXX customer who used the Zelle and because I wasn't 100 % aware how the app works I sent my deposit of {$6500.00} XX/XX/year> to the wrong person when I contacted XXXX  XXXX XXXX I was informed that there wasn't anything that could be done and my money was lost and I couldn't get it back which then started a sequence of events that eventually left me homeless  for the next XXXX  months
Product: Vehicle loan or lease

The car was repositioned by Mercedes benz financial services on XX/XX/2018, the required payment was made on XX/XX/2018 via XXXX XXXX as requested which they were only able to locate after 8 days, meanwhile the new payment kicked in and they had me pay it even before the deadline date for the regular payment. payment was made same day on XX/XX/2018. they promised to sign the release same day. its XX/XX/2018 and non of the managers is on their desks according to the agent. XXXX the supervisor and XXXX the team leader are the only two can sign the release and they were never on their desks for 2 full days, so many voicemails left and still no response. 

I'm hurt, not able to work, my car is my source of income and i feel this team is attacking me personally. i seek help
Product: Debt collection

Theyve been calling my wife grandparents that are really old and made them really worried, my wife grandpa has a XXXX and her grandma is on XXXX and when they call them grandpa ask what is about? They never tell him anything, they just say things about a legal document or court documents.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XXXX XXXX XXXX XXXX does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax via mail regarding account name : XXXX XXXX   XXXX XXXX, account # XXXX ( see attachment. ) I received the results of reinvestigation dated XX/XX/XXXX ( see attachment. ) Upon review of the results of reinvestigation, there is a major inaccuracy. The date of 1st delinquency of XX/XX/XXXX is incorrect. Upon pulling a previous Equifax file from XX/XX/XXXX, confirmation # XXXX, the account showed a date of first delinquency of XX/XX/XXXX ( See attachment. ) This is a 13 month discrepancy. Therefore, the creditor is " re-aging '' information and reporting inaccurate information.This is a violation of the Fair Credit Reporting Act ( FCRA. ) Furthermore, Equifax has verified this as accurate information which is inaccurate. Since the date of 1st delinquency is XX/XX/XXXX, this item should be removed seven years from that date. In this case, the account should fall off from my Equifax credit file on XX/XX/XXXX. Please refer to the attachments with the inaccuracy directly from Equifax reports.
Product: Mortgage

In XXXX of XXXX I was awarded a Hamp Modification in which I was given an incentive for XXXX years equal lying {$35000.00}, in which I was only given one in XXXX and the rest was not honored. The amount that was not honored was {$23000.00} because Chase stated that I went XXXX months late in which I never was three months late, because I was trying to get another Modification with a more affordable payment because this modification was never affordable. Chase stated that I never qualified for another modification because I was never three months late. I was just awarded a recast in which they put the monies that were supposed to be my XXXX & XXXX incentive as a balloon payment in the amount of {$23000.00}. I was also given an incentive of {$83.00} for five year every year in which I only received on as well and that was XXXX XXXX, XXXX. The other four years has never been honored due to the fact Chase stated that I paid at the end of the month, but Chase never discussed with me that I would lose this incentive if I did n't pay by the XXXX of the month, they said monthly in which I was making the monthly payment at the end of the month. You can refer to reference # : Consumer Financial Protection Bureau Case # XXXX