23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Checking or savings account

I submit Chase Bank is fraudulently extending promotional bonus codes for {$600.00} for opening a new banking account to bring in customers and afterwards finding a reason not to give customers the bonus money. 

On XX/XX/2019, I was appointed by a probate judge personal representative of my mother 's estate. on XX/XX/2019 I went into Chase bank on XXXX XXXX in XXXX, MI. I deposited {$71000.00} into a savings account and {$1100.00} into a checking account for a total of {$72000.00}. Over the years I've received dozens of Chase Bonus solicitations to open up a savings/checking account and receive {$600.00} bonus money. The Chase code # XXXX XXXX XXXX XXXX. The conditions were as follows ; Get {$300.00} when you open a checking account for new Chase checking customers : Open a Chase Total Checking account and set up " direct deposit '' or Get {$200.00} when you open a savings account for new Chase savings customers : open a Chase savings account, deposit a total of {$15000.00} or more in new money within 20 business days, and maintain a {$15000.00} balance for 90 days or get {$600.00} when you do both ( an extra {$100.00} bonus ). When I gave my Chase bonus coupon to the lady who opened the account she indicated the computer would not accept the coupon. I went home and called Chase customer service and they informed me the coupon did not appear as a valid number. I informed the representative ( XXXX ) I have several of these coupons over the years and they came through the United States Postal Service they are genuine. I was referred to a supervisor and the result is Chase Bank is refusing to comply with their advertisement. Chase Bank sent me a Bonus Coupon XXXX XXXX XXXX XXXX with the offer to give me a {$200.00} bonus if I opened a savings account of {$15000.00} within 20 days of establishing the account, I made an immediate deposit of {$71000.00} nearly five ( 5 ) times the amount of {$15000.00}. Upon the expiration of ninety ( 90 ) days, I will have complied with all demands of their advertisement.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and hard inquiries from my credit profile from XXXX XXXX and Trans Union immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX XX/XX/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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX I have previously disputed the accuracy of this charge off account with Equifax and provided evidence that the information is inaccurate. However, Equifax has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax 's refusal to comply with this law is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting information on my credit report that is negatively affecting my score. I disputed the authenticity of the collection account XXXX XXXX  in the amount of {$150.00} and it was taken off of my report. However EQUIFAX AND XXXX are still reporting this misinformation causing my credit scores to plummet. I have attached screenshots and photos proving that they are still reporting the account number, and XXXX is not. It is my understanding that all information reported must be ACCURATE across the board. So since this violates the law, I am formally requesting the CFPB enforce that they stop reporting and remove the collection account XXXX At once. Thanks
Product: Debt collection

I have attempted to contact Capital One via Email, Phone and most recently Physical Mail, within various points of the last year. I have had no verification, communication, follow-up about this debt. I am asking that they remove the debt from all credit bureaus for neglect to verify any evidence of the debt, within more than a reasonable amount of time. The next step will be legal action if not complied within 3 Days of Capital One receiving this notice, which is to be recorded by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Product: Student loan

Federal Student Loans being sold and managed by ex husbands attorney. Sold and bought according to his wishes also a portion of the loans are his. Loans went from XXXX ( an email in which he set up and managed ) then to Navient. XXXX XXXX works for the XXXX. Please investigate. Taking negative legal actions and harassment into work place.
Product: Bank account or service

I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.
Product: Mortgage

On XX/XX/2019, we received a notice from Ditech, stating our escrow had a shortage of {$430.00}. Then, on XX/XX/2019, we received a very similar notice from Ditech, but not they stated that we had a {$1300.00} shortage, but not explaining how that changed. I carefully studied our escrow account, and created my own spreadsheet, to project the escrow balance moving forward, based on information obtained on our account on Ditech 's website. 
I was able to see that what Ditech was claiming as a shortfall in escrow was completely false, and simply fabricated. In fact, if the escrow amount remained at the then-current {$360.00}, the escrow balance would still not fall below {$440.00}, and I walked them through the math of each month, in my 3rd phone conversation with them. 
The 1st representative I spoke with ( in XXXX ), XXXX, was very rude, and argumentative, saying they were right in their assessment. The 2nd rep I spoke with ( in XXXX ), XXXX, stated a supervisor ( XXXX ) was not available, but she would contact me within a week. It never happened, and no changes were made to our account. The 3rd representative I spoke with ( on XX/XX/2019 ), XXXX, said she did not dispute the escrow balance information I gave her, and that my escrow could never be in the negative, as the claimed. Specifically, Ditech 's XX/XX/2019 statement claimed that on XX/XX/2019, our escrow was project to have a balance of - {$140.00}. Even XXXX admitted to me on the phone, that in actuality, on XX/XX/2019, our escrow balance was {$910.00}. Yet, she would not resolve the situation, and stated that the only thing she could do is request a re-evaluation of our escrow, which would take 8 business days. Now it is XX/XX/2019, and there are no changes to our online escrow balance, or billing amounts. Ditech began applying the incorrect, increased escrow amount of {$450.00} on our mortgage payment of XX/XX/2019. And since we are paying extra toward our principal  every month so we can slowly pay the mortgage of quicker, Ditech is actually robbing our principal payment by {$1000.00} annually, and causing us to pay undue interest, and prolong our payoff period. This is just not right.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it seems necessary to eliminate any erroneous accounts from my credit report. Could you please examine the documents? Some of the accounts listed exhibit inaccuracies in reporting, such as incorrect amounts and dates.
Product: Debt collection

I sent a Cease and desist letter that was certified mail delivered on XX/XX/2021. Since XX/XX/2021 I have received 8 phone calls and 2 emails, in regards to collecting supposedly owed debt.
Product: Debt collection

The XXXX XXXX pediatric dentistry fraudulently attempted to charge me an additional {$1000.00} on top of my originally quoted charges of {$300.00} that they adamantly advised would not be any higher. I disputed this with the XXXX XXXX directly and they were NOT willing to work with me at all other than offer a payment agreement, so I disputed this with the New York State Attorney Generals Office and per my letter from them, dated XX/XX/2019, they ruled in my favor of the original quoted {$300.00} charge. The XXXX XXXX has failed to report this debt as resolved to TekCollect as well as all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that this information was erroneous. TransUnion is required to authenticate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$3300.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Credit card or prepaid card

Over several years I managed to use my XXXX XXXX cash-back credit card to accumulate over XXXX redemption points ( to be translated in dollars by Citi card ) Upon my request to redeem these points, I received a check for only $ XXXX XXXX. XXXX XXXX of what it should have been. Complaints to Citi Card fell on deaf ears. No response. Can you do anything to help? ( Citi Card  now advertises XXXX XXXX cash back ) Thank You!
Product: Mortgage

I have an existing HELOC with U.S. Bank for roughly {$170000.00}. Today, I called the bank to discuss a cash-out refinance to consolidate the HELOC and was told by XXXX XXXX XXXX of the XXXX branch XXXX that I was not allowed to apply and that U.S. Bank did not want my business. XXXX XXXX stated the reasons as being because they allege I am charged with a felony ( I am not ) and because I only maintain a {$70.00} balance in my account. I keep very little money in my U.S. Bank account... but that's only because XXXX offers much better terms. U.S. Bank is still making tens of thousands of dollars from me with the closing costs of the HELOC and the $ 560 monthly interest payments made every month. Their refusal to even permit me to APPLY for to refinance a product they sold me is discriminatory and is causing me unnecessary financial harm. I only took out the HELOC on the promise that I could consolidate and refinance. That is fraud in the inducement of contract. They sold me on taking out the HELOC and then refinancing it... now that they have the HELOC they are refusing to allow me to even apply for the refinancing.
Product: Money transfer, virtual currency, or money service

I was under the impression I was paying for a new rental unit as I was trying to move out of my current renting situation and had to pay a {$500.00} security deposit to ensure that no one else took the place that we wanted to move into. So I sent {$400.00} ( XX/XX/2019 ) because my bank would only let me access {$400.00} out of the {$1000.00} checks that my boss gave me as a loan to help me move and the next day ( XX/XX/2019 ) I sent them the remaining {$100.00} I owed for the security deposit. After that I felt secure feeling that I would be able to move into this new place come the XXXX and then on that move-in day ( XX/XX/2019 ) I sent the first month rent another {$500.00} and after that was sent there was no further communication between the " landlord '' and when we showed up to move into the new place somebody else answered the door saying that they had just moved into there the week prior and it was then that I realized I have been scammed so I immediately contacted my bank and filed claims of fraud on my account and on two different occasions sat down with them in person and went over these claims and was assured that I would get my money back but that I would have to be patient and wait for the investigation to take place through the online banking division after the 10 business days, I made a phone call to find out the status on my claims which they told me had been denied because of the terms and conditions I was only one at fault for falling for the scam and authorizing the money to be sent. I got forwarded from department to department until they finally sent to me to the case management team with a new case number to hopefully reopen investigation but upon calling today ( XX/XX/2019 ), I was forwarded to another department and left on hold for over 30 minutes until the call was dropped, so I proceeded to call a number provided by consumerfinances.gov which helped me find the numbers and steps I needed to take to hopefully get help with my crisis.
Product: Mortgage

I had a va loan through XXXX XXXX XXXX it was sold to carrington mortage and myself and other family members that are now making mortage payments carrington are being told all and any overpayments will not go towards principle only. 
They said they will not make any money serving the loan if they allowed us to make principle only overpayments. 
They told us we will still pay the all the interest even if we pay it off early Thanks Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report I noticed a fraudulent account being reported and I was already a victim of fraud due to the XXXX data breach. the account below is fraudulent XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered that someone had stolen my identity and has been applying for credit and financing in my name. I did not authorize any of these applications or credit inquiries. 

The following credit inquiries were made without my permission : Xactus LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was not aware of these activities until I reviewed my credit report and noticed these unauthorized inquiries. I have no knowledge of how my personal information was compromised or how it was used to apply for credit. 

Upon discovering this, I immediately took steps to report the fraudulent activity and protect my identity. I am actively working to resolve the situation and request that this incident be thoroughly investigated and that any fraudulent accounts or activities be addressed accordingly.
Product: Debt collection

Received a debt collection notice in the mail from AIC ( Allied International Credit Corp ) in reference to an XXXX  account, claiming that I owe XXXX {$190.00} However, I don't have an XXXX account. Obviously a scam.
Product: Debt collection

My old boyfriend got in my bank account and took money out of  XXXX    XXXX   when he was here. He saw my password to my bank. Did not know it at the time. He took  XXXX  out that I never had in there and ran with it!