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

I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. 

On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. 

I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. 

I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. 

Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. 

Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. 
XXXX. Complete XXXX or more direct deposits. 
The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. 
Earn {$500.00} when your direct deposits total {$6000.00} or more
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX HAS DELETED BOTH BANKRUPTCIES AND TRANSUNION IS SAYING THE INFORMATION IS VERIFIED, I NOTICED IN THE PAPERWORK YOU NEVER SAID WHO FURINISHED THE INFORMATION PLEASE VERIFY THE FURNISHER AND SEND THE IFORMATION IMEDIATELY TO ME, BECAUSE I NO THE COURTS DIDNT FURNISH THE INFORMATION BECAUSE I HAVE A LETTER FROM THEM.EARLY ON YOU STATED THAT XXXX XXXX THE INFORMATION XXXX  WAS FALSE BECAUSE XXXX A FREEZE ON MY XXXX AND XXXX AND ALL THE OTHER SECONDARY BEAUREAS, SO PLEASE LET ME KNOW WHO FURNISHED THE INFORMATION WITHOUT MY AUTHORIZATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am writing to make it be known that both Experian and XXXX have both continued to engage in unlawful reporting of inaccurate information on my credit report. I have sent both bureaus detailed letters this past XX/XX/XXXX and XX/XX/XXXX, advising them of stipulations under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) for continuing to willfully and negligently fail to comply with obligations  to furnish me with copies of original creditor 's documentation that are grossly reported inaccurately on their respective reports -- affecting my rights as a consumer to have fair access to credit. 

I have demanded on two reasonably spaced occasions that such documentation be provided to justify their default findings that accounts have been " verified '', but have not been met with any due diligence to ensure that the items being reported are indeed, factually tied to me and that I was the individual who initiated that opening of such accounts.The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. 


I am beyond frustrated and exhausted on all fronts in what truly feels as an endless, futile pursuit of justice for what the FCRA protects me from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 9. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Debt collection

Zion Debt is listing a collections on my credit report. I was never contacted about this debt. It is listing XXXX as the original debtor. I have not been provided with any documents to verify that I owe this debt.
Product: Debt collection

Called XX/XX/18, XX/XX/18, XX/XX/18 and other previous dates Told them to only communicate with me via mail They have in their notes not to call me and still do Debt Company : financial corporation
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX  XXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Repeated abusive, harrassing behavior nearly weekly phone calls despite I block and report all the numbers they seem to try to use.They refuse to be clear about how they say they are XXXX XXXX and multiple other names. I asked her to spell the name of her co. and she refused and was further abusive. Robo call prompts to call XXXX w/my case no. XXXX. They claim to be a mediator and the issue concerns Cash Central that I've never heard of. When asked to mail me all documents they hang up. I want these people stopped!
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/block any items 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 XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX hard inquiry due fraudulent credit card application. 
Spoke to a representative at XXXX XXXX XXXXXXXX and disputed this hard inquiry on Experian credit report. I was promised removal from the bank by XX/XX/XXXX. 
I reminded the representative there was an existing fraud alert on my credit report and NO application should accepted or ran with out my approval.
Product: Credit reporting

I have attached the correspondence that was sent to XXXX Experian and yet they still do not respond and it 's been over 45 days. Experian has refused to send any correspondence even after speaking with them on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an Equifax account, and attempted to obtain my free annual credit report and score. Equifax will only give you a free credit score if you sign up for their intrusive credit score service called Equifax Core Credit. Considering Equifaxes poor history with privacy controls, I don't think it's fair for them to force consumers to sign up for another service simply to obtain the score. What Equifax will give for free is a " credit report '' which does not give the score - only a summary of account information. According to Equifax 's privacy policy, signing up for Equifax Core Credit means agreeing to allowing the company to share and sell my information. I'm rather certain this is a violation of credit reporting laws and amounts to type of extortion. The Federal Government has been far too lax with Equifax considering their history and reputation of negligence with consumer information.
Product: Credit reporting or other personal consumer reports

I have made uncountable complaints with XXXX XXXX XXXX XXXX, filed disputes with credit reporting agencies, and to no avail have anything been corrected. I have provided documentation and still no proper investigation or correction to all major credit reporting agencies. XXXX XXXX XXXX XXXX explained how my account was reported in error as being 60 days late, and the payment for XXXX is not due yet, and it is reported as late 30 days too. I am really disappointed with the lack of assistance and XXXX XXXX taking accountability for their errors in reporting my account late 60 days. I have never been over XXXX days late since the account was open. This problem didnt occur until my account was transferred to this company and they are refusing to update reports with all credit reporting agencies and the credit reporting agencies are not investigating as should be to request proper data to validate the false reporting.
Product: Checking or savings account

I uninentionally bounced a {$200.00} check of which I paid including the fees. The check was valid just funds did not cover it. I do NOT have long standing record of bouncing checks. 

Bank of America added a fraud alert which is preventing my from my Civil persuit to happying, living according to the law and succeeding in my 4 newly established businesses that I can make or recieve payments. 

I have asked over and over for not even the removal but justification and they responded stating that they are not obligated to remove or respond to my request. 

I have sent multiple inquries and they have NOT responded to even one.
Product: Student loan

I processed a recertification of my loan IDP. This is not a first time doing this however Mohela has now made the process online. I have to file the recertification 3 separate times as recipient of my tax information was not processing through. finally they said they have the needed information. I received my new payment amount and the payment almost doubled. I figured this had to be in error as I don't make doubled since my last recertification. I called Mohela and I have been transferred 6 separate times to " advanced '' customer support services who also have no clue on this. I have asked for a breakdown of the payment assessment and a reevaluation but I just keep getting transferred around. Each transfer puts me on hold from 2 to 5 hours. I have been more than generous trying to understand this maybe and uncommon occurrence, however upon googleing this situation is see it is very common and this is normal for them. I really need assistance, I am XXXX months away from loan forgiveness with the Public Service Loan Forgiveness ( PSLF ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that XXXX, XXXX and Equafix block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report : XXXX account number XXXX. XXXX  account number XXXX. The following hard inquiries are fraudulent and need to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fraudulent accounts, and inquiries have resulted in significant damage to my consumer credit report, as they were not opened, made, or initiated by me. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Debt collection

15 U.S.C section 1681 section 602 A. State I have the right to privacy. 

15 U.S.C section 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instruction. 

15 U.S.C section 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

I made 2 payments to my account on XX/XX/XXXX. They totaled {$710.00}. If they were applied correctly and as stated in the terms included with my statement, they would have paid off my soonest expiring promotional purchase {$660.00} and that left {$52.00} to pay the minimum due for my other 2 promotional purchases. The minimum due on those 2 purchases was {$51.00} ( $ XXXX ) as shown on my XXXX statement. There would have been and extra {$1.00} that should have been applied to the remaining balance. The bank did not credit my account properly and applied much of my payment to a later expiring promotion therefore not paying off my earliest expiring plan and creating an interest charge that was {$130.00}. I contacted the bank by phone on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and was given the run around without regard for what is stated in the terms for how payments are applied each time. I then sent a letter in the mail on XX/XX/XXXX as the bank had not given my any written documentation as to my dispute. Today on XX/XX/XXXX I received a letter via my account that states only that they can not address my problem and I would need to call which I have already done. I am including documents with my complaint. The letter I mailed, as well as the XXXX and XXXX statements.
Product: Mortgage

I am currently in the middle of a refinance with another lender and Midland mortgage has made it a pain to try and get documents for me to close on my refinance. Ive requested a document which we are going on a months time and still havent received it. I feel like they are preventing me from refinancing the loan and have been the worst mortgage company Ive dealt with. Every time I call no one is capable of helping me or sending me the right documents. We are in 2021 I shouldnt have to fax things over and hope they receive it since I do not get any confirmation. Im hoping they can get their things together and look to help out their own customers. It makes me very upset since its costing me money every single day that I have to wait for them to send me something that is so simple and could be easily emailed over even if its in a few days NOT MONTHS! Midland mortgage has been a pain!
Product: Credit card or prepaid card

I went with my roommate to XXXX XXXX XXXX to help him with his purchase of a vehicle. He needed a down payment, so I allowed him to put the down payment on my own credit card. It turned out that the dealership was very shady, and in the 2.5 months that he had the vehicle never fixed anything on the car, and the car kept having problems and having to go back in for service ( under warranty ). On the last time that it went in for service ( with an appointment ), the repossessed the vehicle. The bank has credited 100 % of the purchase price, but the dealership will not return my calls. I tried to charge this back in dispute since the vehicle which should not of been sold in the first place due to it not being street-worthy had been repossessed and 100 % of the money was returned to the car buyer, the dealership was supposed to refund on my credit card the down payment. The company is trying to say that the down payment was a deposit and deposits are not refundable. At no time did I sign anything stating that this {$7000.00} was a deposit on the vehicle. It was all financed and purchased all at once at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I was contacted by XXXX XXXX by phone that my account was delinquent and that I needed to set up a payment plan later that month to avoid my account being charged off and sent to a collection agency. I called back after I was ready to set up a payment plan and after I had made sure I was speaking to someone with XXXX XXXX who was authorized to set up a payment plan. Though I was told that they could not re-age the account, I was given two options : pay a lower amount to settle the debt, or pay in full in installments to be eligible for a new account. I chose the latter, and paid off the debt ahead of schedule in XX/XX/XXXX. In XX/XX/XXXX, I received the application for a new XXXX XXXX XXXX card, completed it, and was approved for a line of credit of {$600.00}. That same month, I disputed the status of the old account as it had never been a charge-off. It was removed briefly with an improvement on all XXXX credit bureaus of about XXXX points. A week later, the remark reappeared, and neither XXXX XXXX nor the 3 credit bureaus have been cooperative in permanently removing the remark. My call to XXXX XXXX was routed to 5 different people, only to be told I would have to speak to someone at XXXX XXXX headquarters. XXXX XXXX told me I'd have to talk to the person in XXXX with whom I set up the payment plan, and that they had no ability to check records as their departments aren't connected. XXXX will not provide me with transcripts of the phone calls. This runaround is ridiculous, with one half of the company not knowing what the other is doing. I obviously paid as agreed when I received the new XXXX XXXX XXXX card from a XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I was told XXXX doesn't issue new accounts to a former cardholder whose account was charged off, for several years, which is why I agreed to pay in full. This is causing a severe hardship in obtaining credit for personal and business purposes, which has deprived me of thousands of dollars in lost income. This company isn't " XXXX XXXX '' anymore, and has outsourced jobs to third world countries to save a few bucks. They know you can't get the agreement in writing so they must think that most people will just let it go. I know I'm right, I know XXXX never wrote off my account as " bad debt '', I know that claiming to do so would be considered income tax fraud, and I'm not letting this go until I receive justice.
Product: Debt collection

In XX/XX/2021 I request a telephone service with XXXX XXXX XXXX Which was an account opened under postpayment With my social security number paying a monthly payment Of the telephone service plus the equipment equipment Team which disappeared while sleeping in a shelter called XXXX XXXX in XXXX Florida, The account was opened in XXXX XXXX XXXX but after a few days I moved to XXXX due to the pandemic I was left homeless I only had about a month with the phone equipment when it disappeared though. Yes, however, assuming my responsibility and contract with XXXX, I called to report the stolen phone and report that I would continue to pay the debt for it Once in XXXX I went to an office directly from XXXXXXXX XXXX XXXX in XXXX XXXX .They notified me that there was a debt of approximately {$800.00}, which indicates that this was not the amount since I had barely a month with the account and that amount to debt was not possibleIn the store, they told me that the equipment was still active, something that I never understood because I reported it as stolen and apart from them, services such as television and others were still lined XXXX the store they literally ignored what I was saying and my hands were tied because I had no way to communicate with the company since I didn't have a phone and I didn't have money to buy another.After that telephone equipment was lost, I lost access to many things, such as my social security account, my ucis account, my bank account and many more, which has resulted in the, XXXX account XXXX account and Gmail account by then that was installed on the same phone but I was left totally incommunicado And if the access to all those accounts that were already included and open within the telephone equipment.Today a little more stable and with a little more access to my information I am seeing under my report behind and union that there is a collection account under AFNI # XXXXEntered by the same XXXX company under cable and cellular services for an amount of $ XXXXAnd I can honestly tell you that both personally at the XXXX XXXX XXXX I asked for a verification of it since I only had about a month with the service the phone at the time I tried and communicated the fact of what was happening .Having this information, I have tried to communicate with the company but it is impossible. It is always busy and there is no way to be able to communicate with it for that very reason. Well, I am writing to you and ask for advice or how to resolve this situation that really it has me worried Because apart from all this situation, I believe that my data was disclosed since online as
Product: Credit reporting or other personal consumer reports

There are inquiries that I did not authorize reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX