23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$940.00} - Late/OPEN - XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$820.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$350.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$830.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$760.00} - Late/OPEN - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1700.00} - Late/OPEN - XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} - Late/OPEN - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - $ XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$420.00} - Late/OPEN - XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - $ XXXX Late/OPEN - XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Experian hasn't corrected or deleted inaccuracies on XXXX XXXX, XXXX, XXXX accounts. Experian have not did a deep dive investigation on these XXXX accounts, These XXXX accounts was paid in full and on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with identity IQ to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX  XXXX {$4000.00}
Product: Credit card or prepaid card

After receiving multiple pre-approval offers to open a Capital One SAVOUR One card, I decided to apply for the card. Both the pre-approval offers I received in the mail and web page for the exact Capital One credit card for which I applied promised a sign-up bonus of {$150.00} if I spent {$500.00} within the first 3 months of spending ( this bonus has now been increased to {$200.00} ). I have another credit card with capital one, and yet, they still sent me this offer. I applied for the card and spent the money required to receive the bonus. However, upon calling Capital One to see why the bonus was not applied I was told that it didnt apply because if you upgrade your card, it doesnt apply. 

I told the customer representative that this didnt make any sense. I NEVER requested to upgrade my ( no fee ) SAVOUR One card to a SAVOUR card ( with a {$95.00} annual fee ). My card was opened as a SAVOUR One card and still should be. I should not be ineligible for the sign-up bonus because of an upgraded card when my card was NEVER UPGRADED. 

I was then told by a representative that I was correct and that my card was never upgraded, however, I was still ineligible for the bonus because I have another Capital One card. Capital One NEVER used language in their promotional material that made it clear to applicants that if you already have a capital one card that you will be ineligible for the bonus. Their promotional material says that the bonus is open to new card members. They never differentiated between new to Capital One Cards and new to a specific Capital One Card. 

To the average person, if I dont have X card, then I am not a card member in the context of applying for X card. If I apply for X card and am approved, I will then become a new ( X ) card member. It doesnt matter if I already have Y card. It doesnt matter if both the X card and the Y card are owned by the same company. If the company wanted to relay to customers that they wouldnt be eligible for a sign up bonus if they already have another one of the companys cards, they would say that the offer is only open to new COMPANY NAME card members. 

Capital One should have been upfront in saying that the sign-up bonus was open to new CAPITAL ONE card holders only. Instead, they capitalized on ambiguity and sent promotional material to existing capital one card holders KNOWING that those people might unwittingly apply for a card based on promises that would not be fulfilled. It is unscrupulous, and thus, I am making a formal complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 we found a compact tractor for sale on the internet at XXXX XXXX XXXX. We messaged the business for information about the tractor. Sales Mgr. XXXX XXXX responded. 
On XX/XX/XXXX we ended up making a deal for {$9000.00}, {$8200.00} for the tractor and {$800.00} for shipping. 

On XX/XX/XXXX, we went to our bank and wired the money. He emailed us a bill of sale and payment invoice later that day. 
On XX/XX/XXXX he said we would have our tractor on Thursday XX/XX/XXXX between XXXX. 

On XX/XX/XXXX at XXXX we emailed asking if everything was still good for this evening. We received an email stating delivery has been delayed due to trailer mechanical problems and the new delivery date was Monday XX/XX/XXXX. At this point XXXX told him he was starting to think he's been scammed. They told us they would refund the shipping fees in cash at delivery. XXXX asked him why the tractor we bought was still for sale on the internet. 

On XX/XX/XXXX XXXX We got another email saying the trailer is still being serviced and the new delivery date will be XX/XX/XXXX between XXXX. 
XXXX We got an email stating the refund request has been sent to the payment department. 
XXXX XXXX XXXX emailed It's coming but it looks like we understood wrong, that you wanted a refund ETA still XX/XX/XXXX between XXXX. 
XXXX XXXX didn't check his email and asked when the tractor will be here. 
XXXX Then XXXX checked his email and then told them IF it's not here early on XX/XX/XXXX he wanted a full refund. 
XXXX XXXX emailed so it's not coming on the XXXX? 

On XX/XX/XXXX XXXX messaged them please have someone contact me about this sale or refund. 
We got back an email asking for the stock number of the machine we were interested in from Sales Mgr. XXXX XXXX. 
We sent an email telling them we were deeply concerned about this transaction and to reverse the payment we made back to our account. They emailed us saying the refund was approved. When can we expect it? By the end of the week. Then we called our bank asking what we could do. I want to know why Bank of America, Branch address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Has never returned a call to my bank when my bank asked for my money back. And don't look like my bank is investigating it. So people get scammed and no one is trying to help. Someone at bank of America surely should know how to find out who had the receiving end of this transaction. I would like an explanation by someone on how a transaction like this is ignored. I'm out XXXX. I'm on XXXX yrs old. XXXX is a lot of money for me. It took several years to save that money on what I get. I wish someone would do something. Thank you for your time.
Product: Debt collection

they were charging me for having the services that I did not which I had continuously called them about. I was using regular phone service and they were charging me for internet data usage when the phone I was using could not even access the internet. They are now in the middle of a class action suit regarding this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. EQUIFAX XXXX and XXXX  on XX/XX/year> has violated my rights. I looked at my XXXX credit report on XXXX XXXX XXXX and noticed some things incomplete and not accurate. This is my third time trying to resolve this. 
According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. Also according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C 1681B ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

Around last year at this time, I made XXXX transactions with XXXX through Cash app both transactions were triple charged not at that time but once at that time both on XX/XX/XXXX and XX/XX/XXXX and then XXXX other times on XX/XX/XXXX and XX/XX/XXXX of 2023 at the time I notified Cash App and they had informed me that a technical error occurred in their system That was causing customers accounts to appear that they were double charge when they said in reality, they were not well. Cash App has done an audit of their systems for the new year and now going into my account. It clearly shows that I was charged XXXX times for each transaction {$860.00} when I call Cash app their employees inform me that it is clear I was triple charged and put in disputes. However, the generic email I received back from cash app says that my dispute is over XXXX  days and can not be processed so they deny my dispute, even though Ive had the dispute for over a year this is fraud and it has happened. I want my money back.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX report, I noticed a inquiry by CitiBank, Texas on XX/XX/year>. I've never done any business with them. I respectfully request that this inquiry be removed from my record.
Product: Credit card or prepaid card

On XXXX XX/XX/2019, I reapply for a chase credit card. It's 5 times in six months. My credit has been XXXX. I also have a checking account for 3 years. I called for reconsidering my credit but I was treated like garbage.

I have numerous credit cards in which are in excellent standing. 
According to them is a XXXX XXXX XXXX and XXXX card that shows delinquent. But i have proof that was paid in full months ago. 
I really feel discriminate because my credit improves from XXXX to XXXX and they always give me an excused. 
Thanks
Product: Student loan

Nelnet keeps advancing my due date instead of applying payments to principal as instructed.
Product: Mortgage

It is Nationstar/Mr. Cooper 's policy not to correct an error in the CFPB rule and RESPA and allow their local counsel refuse to allow a correction. See attached XX/XX/XXXX response to the following complaint made over 6 times since XX/XX/XXXX : XX/XX/XXXX Nationstar accepted the amount of {$170000.00} from me. XX/XX/XXXX, Nationstar refused to credit the full amount of interest collected from me and held {$14.00} of interest collected in a suspense account where it remains as of today XX/XX/XXXX, holding the loan open with XXXX XXXX as the current owner, 8 years after the loan was overpaid to Nationstar. See attached XX/XX/XXXX, Nationstar refused to credit my payment to them for lenders fees of over {$1900.00} and still holds the amount uncredited in a suspense account, without any proof of services these fees were originally collected for, leaving my loan open, and under paid. See attached. XX/XX/XXXX Nationstar over charged me for late fees collecting {$2800.00} when I only owed {$1500.00}, and made an inaccurate payment allocation of {$11000.00} that causes the appearance that I was late for 196 months. See attached. This conduct caused 6 years of repeated reporting that I was currently 120 days or more past due, repeatedly claiming I was under a partial payment agreement, with Nationstar as of today claiming their outside counsel will not allow for the suspense account to be emptied and amounts credited to what they were charged for. After 8 years, I can not apply for a residential loan because I can not explain why Nationstar claims I had XXXX  current payments on an XX/XX/XXXX Verification of Mortgage, nor can I explain why a suspense account is still existing, nor why the company refuses to fully credit my final over payment to the company accepted XX/XX/XXXX. I sent a notice of error XX/XX/XXXX to which I have received no response. I filed a complaint in XX/XX/XXXX with your agency and the attorney just emailed an account history proving my claims above without any correction at all. I sent a request for closure of the suspense account and inaccurate payment allocation of {$11000.00} to late fees in lines 81-86 and under credit of interest paid in line 95 on XX/XX/XXXX and have received no response. I have asked twice for proof of services for the uncredited payments for unearned fees held in suspense in lines 89-94 and the company has provided me with no proof of any services or nor have I received a certified copy of the checks claimed to have paid over {$1800.00} in non descript advances in XXXX This conduct violates 12 USC 2605 but 15 USC 1639 ( f ). As of today, I am not able to find relief in corrections that the law states no servicer shall refuse to correct.
Product: Money transfer, virtual currency, or money service

Today XXXX XXXX me and my fianc visited Bank of America Branch in XXXX XXXX nc To cash our insurance check. We went through the drive through and was told due to the amount we have to come inside and their is an XXXX $ fee. So my husband goes inside and a XXXX woman refuses to cash the check for us because according to her was over their withdrawal limit. We left then tried to call to speak to branch manager got hung up on and then called back over 10x and no answer. So we drive back to that Bank of America I was greeted very hostile by a security guard like they were waiting for us and I was asked Y was I there. I asked for a branch manager was told there wasnt any manager there I advised them a bank or credit union can require identification before it cashes a check. However, if you are at a bank or credit union where the check is from and you show the identification they require, the bank or credit union must cash the check if there is enough money in the account on which the check is written. I told them my insurance uses them for a bank. I was still told they would not cash the check and to go to my bank. Then I meet another customer there to do the same thing and was also XXXX  told me he didnt have an account and no problem cashing his XXXX dollar check. I was racially profiled and denied the cashing of a check from someone who has an account with them. Im looking to file this complaint and after take legal action for discrimination which has been proven in the past that this bank does and thats the reason we didnt want to open an account with them
Product: Mortgage

In XX/XX/2018 I approached TD Bank for a refinance loan, the cost was {$7000.00}, upon closing, there was an additional {$20000.00} ask for on that day. 

The manager collected the funds from my account. 

In order to get this loan, I was told to get another address after they came to value the house twice. 

Upon closing the documents could not be had for months.
Product: Money transfer, virtual currency, or money service

Account got hackedsomeone did a wire and account got closed after havent been able to open another bank account since.
Product: Money transfer, virtual currency, or money service

Sometimes in XXXX I noticed XXXX credit cards were added to my XXXX account that I was not familiar with, so I researched the issuing bank, and I called the number it was a phishing number, they verified both cards. I called XXXX, but they were so irresponsible incompetent, that told me XXXX of the cards on the account matched XXXX of my cards that I am familiar with, but the last XXXX digit did not match, so their negligence allowed these scammers to add pre-paid cards issued by XXXX bank in Ohio, later on when I called the bank to inquire i was told if I didn't have residency in Ohio I won't be able to open an account, when I told them what happed to me they said it must have been a pre-paid card issued by XXXX of the many affiliates and partners. The other bank card was by XXXX bank and the same story, I called back XXXX to complain because buy that time the scammers cleaned my XXXX account out on XX/XX/XXXX. They reviewed my account they acted surprised that I had XXXX phone numbers beside mine were added that were not mine, and an email was added to the XXXX account that was mine. so they removed all things that were not done by me. XXXX on the other hand, allowed all these unauthorized transactions that allowed scammers to take all from XXXX account, I informed them to lock my account. After reporting it to the police, I made XXXX reports, XXXX fraudulent activities and the other report Identity theft. I am monitoring these scammers online. They keep changing their XXXX generated phone numbers. Trying to communicate with XXXX to restore my account, they keep saying I am not the real account owner and they keep denying me access to my account. I explained to them maybe scammers are using my identity that's why you thing I am not the real one. I am still trying to call them, but they say I have to go through the App but I cant access the App. 
A current scammer phishing phone number is XXXX scammers are posing as XXXX customer support. They are careful, they won't answer the phone but they will call back from XXXX. Some of the names scammers use and emails ; XXXX XXXX, XXXX XXXX, and the main email ; XXXX. 
They got away with about {$7800.00} stocks, XXXX and cash. 
I tried to report all this to the FBI through XXXX but I am not sure if was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit card

I was approved for the Citibank XXXX credit card in XXXX 2015. The welcome bonus was a {$650.00} credit to be used toward purchasing a phone from XXXX after meeting minimum spending requirements. I did that, and also purchased a phone from XXXX using the special link provided by Citi. That was in XXXX 2015. The {$650.00} credit was supposed to post to my account within a few billing cycles, but never did. I contacted Citibank on numerous occasions, asking them to look into the missing credit. None of those attempts resulted in a positive outcome. 

I 'm attaching the corresponding billing statement. On XXXX/XXXX/2015 there is a transaction for {$810.00}, listed under " Promo Purchase-Offer. '' This is the purchase of the phone from XXXX that should have triggered the credit. All Citi has to do is verify this with the merchant, but they have been extremely unhelpful, even after numerous attempts on my part to resolve the issue. 

Thank you for looking into this. 

Best, XXXX
Product: Credit reporting or other personal consumer reports

In the year XXXX, I received a 1099 from XXXX XXXX XXXXXXXX in the amount of {$3900.00}. ( See attachment below ). 

In the year XXXX, I also received another 1099 from XXXX XXXX XXXXXXXX in the amount of XXXX. ( See attachment below ). 

I have paid taxes on these INCOME ( s ). Therefore, this was not a " charge-off, '' but actually INCOME since I received 1099 's for them AND i paid taxes on those income ( s ). Accordingly, by law, this should be removed from my credit report.
Product: Credit reporting

My wife and I filed for bankruptcy under chapter XXXX on XX/XX/XXXX and was discharged on XX/XX/XXXX. We thought that after the discharged of the bankruptcy we had a clean slate. Since then we have obtained few credit cards and pay all on time. We also maintain our home mortgage payments on time. In other words we have never been late on any account payments since XX/XX/XXXX. 
We recently applied for an Equity Loan from the XXXX XXXX XXXX to effect some repairs on our home and we were rejected because of : Serious delinquency, numbers of accounts with balances etc. XXXX XXXX XXXX based their decision on the fact that all XXXX credit reporting agencies still list on our credit reports all the accounts that were discharged in the bankruptcy. I think is very unfair to based their decision on our financial problems prior to the bankruptcy since according to our laws we supposed to have a clean slate after we painfully were forced to file in order to save our home. 
I am a veteran and I feel XXXX XXXX XXXX should give us a XXXX look