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

On XX/XX/XXXX, I opened a XXXX Associated Access Checking with Associated Bank. I Direct Deposited more than {$500.00} within 90 days of account opening and have held more than {$10000.00} for XXXX days after account opening. Having met those requirements, I expected a {$500.00} bonus by the end of XX/XX/XXXX. 

I had messaged the bank through their internal customer message system and was notified that I had previously been a customer with their bank. While this was true, nothing in the signup language indicates that the promotion was closed to former account holders. The only language on the signup page was : " Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. '' My previously held account was closed XX/XX/XXXX ; more than 6 months before opening a new account. 

Given that terms were met on my end, but not on the bank 's end ; I am requesting {$500.00} immediately per the language in the terms when I signed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a dispute with Experian and subsequently uploaded supporting documentation that I had autopay on a loan with XXXX XXXX. XXXX XXXX failed to withdraw the amount and reported me as being 30 days delinquent. I then paid off the loan and XXXX XXXX never corrected the issue that I was tagged as being 30 days late that month because of them. Experian agreed with XXXX XXXX and refuses to fix my report despite having proof that XXXX XXXX acknowledged autopay was in place. I have contacted XXXX XXXX to resolve this issue and they initially said just to open a dispute. Since XXXX continually reports their mistake as " accurate '', they provided an email address for assistance with the issue. Experian simply takes their word over evidence to the contrary. I opted to partake in the autopay program specifically to avoid such " we didn't receive your check in time '' claims.
Product: Checking or savings account

I deposited {$4500.00} into Citibank ATM, the machine took the money and then said machine is not taking any cash. I involved branch staff, they said machine broke and to call customer service which I did. They opened up a case. Case # XXXX said there is nothing they can do at the moment and need 10 days to investigate and then will put money back temporarily while they take another 45 days to fully investigate. I need this money now to pay my bills. The fact that I will be delinquent on my bills, they don't seem to care. All I heard is that there is nothing we can do. Isn't their ATM machine supposed to be in working condition? That was my expectation. It's a lot of money to loose. 

I deposited money into ATM at CITIBANK at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Credit Acceotance Repossessed my vehicle with only XXXX dollars left they sold the vehicle and put an outstanding balance on my credit and the amount was way more than what I had left to pay on my XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I purchased ( 2 ) tickets in the amount of {$450.00} from a XXXX user. I sent the money through my bank, Wells Fargo using the pay app XXXX to user XXXX. The user sent me a confirmation screen shot of the payment to XXXX XXXX account number ending in XXXX. I was told the tickets would be in my XXXX account on Thursday XX/XX/2019. On the morning of the XX/XX/XXXX I was messaged from XXXX under phone number XXXX to let her know when the tickets were in my account. I waited all day and when I got home from work I began messaging XXXX to say they are not in my account. XXXX again said she was going to call the XXXX XXXX XXXX XXXX XXXX she then stated that nobody was answering the phone and that I could try calling. The time now was after XXXX XXXX and the ticket office was closed. XXXX stated that if they had not transferred by Friday XX/XX/XXXX to call her and that she would refund my money. I called the XXXX XXXX XXXX XXXX at XXXX on Friday XX/XX/XXXX to see if there were any tickets being transferred to my email of XXXX and the agent stated that there was nothing transferred or pending for that email account. I then reached out to XXXX again at XXXX via text and call and there was no response. I called my bank ( Wells Fargo ) that evening and was told that there was nothing they could do and to try to reach out to the seller. I emailed XXXX XXXX customer support to find out anything and to see if my money could be returned and that went without answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report.
Product: Checking or savings account

I opened two business accounts at Bank of America online I order two cards one for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX 2023 that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back I filed a complaint against them and Ive been emailed with hopes of resolving the issue but the company has yet to speak or reply in attempts to run out the response time with CFPB theyve made no actual attempt to resolve or speak with me
Product: Credit reporting or other personal consumer reports

I have requested several disputes on debt I do not recognize on my credit report there are 3 showing 2 from XXXX XXXX XXXX and one from XXXX XXXX  I requested proof of debt documentation showing who provides the information and what information was provided to determine these results when it proceeded to come back verified. I tried to submit a second dispute to request a second time but was denied. I would like all documents pertaining to these 3 investigations sent via mail.
Product: Mortgage

Borrower is offered a {$2700.00} bribe to use the sellers mortgage company
Product: Student loan

This date, XX/X/2017, I applied for a benefit offered by Nelnet. The benefit states I qualify for a 1 % reduction in interest as I have made 24* payments on time. I contacted Nelnet representative who denied the terms stipulated by NelNet. I am submitting comprehensive r3ecords kept by Nelnet and a copy of their policy for this issue.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased an auto through XXXX XXXX XXXX XXXX. They also required me to send them the title showing they were first lienholder on the auto. I got sick had to move to a rehab facility and put all my furniture and paperwork in a storage facility. It was there for over 3 years. They never received it. They sent me a letter stating since I could not provide the Title to them. They were going to change my loan status to a consumer loan and charged me more interest, Which is what they did. I would like you to challenge XXXX XXXX and have them show you proof of title and proof of being first lien holder on the auto. They are presently showing a charge off on my credit report for an unpaid auto loan. Which is presently prohibiting me from refinancing my present car.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am sending this complaint to address an inaccurate negative remark on my Equifax report. As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is stating that I was 30 days late while It is clear that the status of the account is " current '' not " 30 Days Late ''. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX. XXXX XXXX XXXX {$340.00}
Product: Debt collection

Despite the merchants on printed words online and there own quote of the debt this sleepy debt company is trying to collect an amount not owed and as usual jack the price up 300 percent from what the merchant first falsely claimed. How long will we let this company go on Interpreting their own version of medical paperwork and practicing law without a license. This shady business continues to change his name in order to avoid the compile complaints were doing the same thing, extortion
Product: Credit reporting or other personal consumer reports

XXXX ) Since XXXX of XXXX XXXX XXXX was XXXX  in the XXXX XXXX XXXX XXXX and released in XXXX of XXXX. 
XXXX ) On XX/XX/XXXX, an XXXX XXXX account ending XXXX was open while XXXX XXXX was in XXXX. This is clearly Identity theft which XXXX XXXX demanded this account to be deleted on XX/XX/XXXX. 
XXXX ) On XX/XX/XXXX, an XXXX XXXX by XXXX XXXX was opened XXXX month after XXXX XXXX was released from a XXXX XXXX  XXXX. XXXX XXXX CHALLENGES and demand this account to be deleted because its not possible to get approved without any credit history after XXXX  years and its evident this is part of the identity theft claim that was filed on XX/XX/XXXX. 
XXXX ) On XX/XX/XXXX, a XXXX XXXX charge card was opened in the same year XXXX XXXX was released from XXXX, and this is evident that identity theft occurred because how would an individual after serving XXXX  years establish enough credit in 3 months to be approved for a {$15000.00} credit limit. This account was also challenged for identity theft, and we demand this account to be deleted. 
XXXX ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX accounts was reported to be opened under Identity theft in which account ending XXXX was deleted and account ending XXXX was not deleted and this account was opened on XX/XX/XXXX, and account XXXX was opened in XXXX. This account was part of the identity theft data breach, and we demand that this account be deleted. 
XXXX ) On XX/XX/XXXX, a XXXX XXXX XXXX account was opened and was unauthorized by XXXX XXXX and this is another XXXX XXXX account which is inaccurate, and we demand that this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my greatly protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then 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: Money transfer, virtual currency, or money service

I answered an ad on indeed about a caregiving job and then I was sent a check for XXXX I was then instructed to send XXXX dollars to Texas to help the family move their mom to XXXX NC from Texas the check they sent me bounced and they got away with my XXXX dollars o sent through money gram Ive contacted police and money gram and my bank no one would help me Ive been getting the run around from money gram and I cant file a complaint no one will listen to me please help me get my money back.
Product: Credit reporting or other personal consumer reports

A delinquent account appeared on my Experian report XX/XX/year>. I filed a dispute directly with them and was told it would take up to 30 days to resolved. I recently received a response for Experian that the account was reported correctly. No documentation was provided to me confirming the account if fact was related to me. Experian also added an address to my report that I've never been associated with.
Product: Checking or savings account

I believe there is an internal breach at Bank of America. I opened an account with them recently as a back up account. I never use the account for daily debit transactions or use my debit card anywhere. The first time my card was compromised was XX/XX/year>. I was able to dispute the charges, and get the claim resolved. I thought the issue surrounding my card being compromised was off since the card had XXXX usage. Staff at BofA informed me that if I do not plan on using the debit card, to lock it as soon as I receive the replacement card. I did exactly that. As soon as I received my new card, I activated it, and locked it. On XX/XX/XXXX, I got notifcation that there was a debit attempt on my new BofA Debit card, but it was blocked because my card was locked. This raised some HUGE concerns because there is XXXX way for my card to be compromised if I never used it anywhere and had locked it immediately after receiving it. I believe either this is either internal staff stealing consumer information OR there is a security breach at BofA. I asked the staff to escalate my issue, and she informed me that they will review, but I will not recieve any follow up. Please investigate this issue. My security and many others is not safe banking with BofA, and the activities are EXTREMELY suspicious.
Product: Mortgage

Initiated a short sale with a private investor in XXXX of 2023. Sent PHH inquiry to get short sale approval. Did not receive correspondence for documents for short sale to be reviewed by PHH till late XX/XX/2023. Was informed on XXXX XXXX by PHH Mortgage on all that was needed by Relationship representative. All documents were submitted on the XXXX. I was also informed that a foreclosure auction date was set for the property on XX/XX/XXXX of this year. I was never served nor sent by certified mail a Notice of Default and Notice to accelerate by PHH Mortgage before the filed for foreclose sale with the County Courthouse. PHH has been unprofessional, incompetent, and hostile during the whole process of the mortgage service for XXXX XXXX which holds my note. I accuse PHH Mortgage of fraudulent and deceptive servicing practices and fraudulent foreclosure procedures that are against Texas law.
Product: Student loan

In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I receive alert from of 3 big credit report Transunion, XXXX and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the 3-report company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I initially applied for a mortgage loan with SandySpring Bank which I was pre approved for in XXXX when I submitted a contract on a home. During this process which is a short sale, I was finally able to obtain a release from the lien holders on this property to move forward with the purchase. I requested some information from the loan XXXX and was not satisfied with the fees and interest rate that I was not told about up front. I requested that the loan be transferred to another lender. The new lender made a verbal request on XX/XX/XXXX and a written request via email on XX/XX/XXXX to have my FHA loan case number transferred. Further, it was expressed to the loan XXXX of SandySpring bank the urgency in which this transfer needed to be done as I am scheduled to go to closing on XX/XX/XXXX. As of XX/XX/XXXX, the loan XXXX has not sent confirmation that the transfer has been requested. This puts me in jeopardy of not being able to close on this property due to the lack of effort on behalf of SandySpring Bank loan XXXX. I need assistance with getting resolve on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent and not my credit inquiries : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX Bank, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Card, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. All of the credit inquiries are fraudulent, unauthorized and not mine. I have sent numerous Federal Trade Commission Identity Theft Reports to XXXX, Equifax and XXXX XXXX. The Federal Trade Commission had opened up an investigation on XXXX, Equifax and XXXX XXXX for not deleting and removing all the fraudulent inquiries listed on my XXXX, Equifax and XXXX XXXX credit report.
Product: Money transfer, virtual currency, or money service

hello chase, i didnt know how to contact yall, the phone support isnt really much help but. recently ive sold some stuff online on a game called XXXX, i was paid thru XXXX, the buyer reported as fraud after getting the item and also threatened to continue the case and basically blackmail me and tried to force me to pay money to cancel the case, i thought you guys would be on my side and help me beat this case because i provided the service and did my part, i have proofs of him black mailing me and also me completing the deal with him, can you please help me, ive been banned off chase and you guys wanted to end relations with me, i also have money inside the bank which you guys offered me a cashier check but i dont want to end relationship with you guys because i know and love your bank, please help. 


this is what i sent to chase