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

On XX/XX/XXXX, I opened a smartly checking account with US Bank using the promotional code XXXX. Although this promotion is no longer active, what appears to be the same promotion is running here XXXX XXXX XXXX XXXX  The terms of this promotion, which I have met, and which multiple representatives have confirmed that I met are as follows : " Open your checking account online through this page, in a branch or over the phone by XX/XX/XXXX with an opening deposit of {$25.00}. Then, within 90 days of account opening, enroll in the U.S. Bank Mobile App or online banking and make at least two direct deposits. 

Earn {$500.00} when the combined total of your direct deposits is {$10000.00} or more '' I completed {$10000.00} in direct deposits from my employer by XX/XX/XXXX and was already enrolled in online banking and was regularly using the US Bank mobile app. The representatives that I spoke to over the phone on XX/XX/XXXX and XX/XX/XXXX both confirmed that I had met the requirements. The first representative I spoke to said that a research request was submitted which would take up to 5 business days and I would receive an email on the result. I did not receive an email response on the result. The second representative was unable to find the result of the research request, and wanted to open a second research request. 

US Bank has acted in bad faith and failed to honor their deal or articulate any fair reason for doing so.
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning, and I have no idea how they got there. When I checked my report as I normally do, I was startled to see discrepancies appear out of nowhere. I even refreshed my browser, hoping it was just a glitch, but the errors remained. I am now requesting a thorough review of the documents I submitted so I can feel assured that this wont happen again.
Product: Credit reporting or other personal consumer reports

XXXX denied my account credit increase, partly based on a XXXX  month old report from XX/XX/year>. I was unable to secure a quick replacement phone, which was needed to recieve VPN codes, from my office. These codes are needed thru the day to log back into systems as, as needed. As a result of not having a phone, I was forced to take the day off and was given a verbal warning. Now as for Eqifax, I have had other denials with Equifax as the supplier, but I wasn't able to view any other dates, but if these same old reports were sent, this did me a grave injustice. And the lowered score was the result of my being a victim of a rental scene. By XXXX my score was starting to recover and should have been properly reflected to potential creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently for several years been stating to XXXX  that they are reporting a credit card account FNB OMAHA on my credit report for years, An account that has been closed and charge-off as well for years. Also, an account that I have persisently stated is a fraudulent account. Today they updated my report and stated there was a new late added on to this fraudulent account which has been closed and charged off for several years, causing my credit score to drop 60 points, how is this right? How is LEGAL to continue this BLATANT ABUSE, they ruined my credit over this account, someone please help!
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

I was a victim of XX/XX/XXXXand XX/XX/XXXX. There are late payments that should be deleted and it was not looked into prolly because all the information was furnished
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation : This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

I want the CFPB to publish this these are the accounts that I input into my Despute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My husband and I were unable to maintain the car payments due to my illness therefore we surrender the car back to company. We did n't receive anything stating that we owe anything else on the car or if it was sold. Since then it has been sent to XXXX for collection and is reporting on our credit report.
Product: Checking or savings account

JP Morgan Chase Bank offered me a {$300.00} bonus to open a savings account. I went through all the necessary steps with maintaining a large sum of money and setting up a direct deposit. When I spoke to an agent in XXXX they confirmed that all the necessary steps were in place. However, I did not receive the bonus when it was due. This marketing program is an Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) violation as the instructions were not clearly outlined. My husband set up the same direct deposit a few months ago and received his bonus. It is deceiving for Chase to ask to hold your money then be unclear with the instructions and not follow through on the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items being incorrectly reported on my credit report, related to inquiries that I do not recognize. I have contacted the companies directly, and have been told that they are unable to assist. Not only are the inquiries unfamiliar, they are inconsistent. Please see a list below : 1.  XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6.  XXXX  XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX   XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11.  XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX   XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX
Product: Prepaid card

On XX/XX/year> my I received a notification stating that my cash app account was going to be suspended for an undisclosed reason. I use that account to transfer money from Banks to pay my bills. Also they give me the option to borrow money from them and I borrowed {$320.00} for the last year and a half, always paid it back. I kind of rely on that to get my bills paid because I've done it for so long. Well as soon as I paid it back this month they suspended my account and they're not giving me that option now. And they can't even tell me why I didn't do anything against their policies as far as I know and they won't even tell me why.
Product: Credit card or prepaid card

On XX/XX/2020 I tried calling Citibank after spending several hours online trying to research why I had a late payment fee added to my card account. I discovered that I had not received two paper statements in the mail. I rely on paper statements to set up my bill payments thru XXXX  XXXX XXXX 's bill payment system. I have not received paper statements a few times in the last five years, and I have always been able to contact Citibank customer service and request a courtesy fee waiver. Citi has been gracious enough to waive the late fee due to my long customer and on-time payment history. Knowing that during the current Covid 19 pandemic / crisis that Citi 's customer service department would be delayed I tried to pursue online means of contacting Citi : chat, sending a secure message through their system to no avail. None of these online published options were working or available. I searched for a fax # to send my request but could not find a published fax # anywhere, either online or on the paper statements I do you have in my possession. So finally, I called the customer service # XXXX at XXXX XXXX  Hawaiian time and was subsequently put on hold. I figured I could wear my headset, complete my work at home, make dinner, walk the dogs, and do other activities while on hold. I was on hold, with Citi 's music and notifications that kept repeating " the next available customer service representative would attend to my call. '' This never occurred. After two hours or 120 minutes and 32 seconds, my call was cut off by Citibank, with no option to leave a message or have an agent return my phone call. There is literally no way to obtain customer service with this # 4 ranked in assets bank in the US, and # 11 ranked global bank in assets other than writing a letter and mailing it via US postal service., which I will do and mail out tomorrow, XX/XX/2020. 

They are a huge global bank and this is unacceptable, even during a pandemic/crisis. I feel that perhaps some employee and supervisor in a call center somewhere had a bet going on as to how long I would wait on hold before ending the call. They ignored my call and are probably laughing their heads off because of it. Again, unacceptable given the length of time I have been a customer and the size of this bank. 

My complaint has to do with Citi 's inability to provide customer service, by any means. How are their customers to get in touch with them other than by US postal service?
Product: Student loan

I am making payments for a loan given to me directly by case XXXX XXXX University. They are charging me 6 % interest and my balance is going up instead of down despite making payments. XXXX XXXX XXXX is refusing to release my transcript until the entire amount is paid and its preventing me from getting a job because XXXX cant get a professional license without my transcript and Ive tried several times to work with them and they refuse to do anything until I have paid the loan off in Full
Product: Credit reporting, credit repair services, or other personal consumer reports

OUTRAGEOUS! How Equifax gets away with such LAX reporting to the XXXX XXXX + customers who 's private information was breached. Did they report this to a government agency and the American public was never told? A XXXX up perhaps? 

What is the point of free credit reporting? Why do these agencies yield such power over my credit?
Product: Student loan

I took out six loans with XXXX XXXX between XXXX and XXXX. XXXX XXXX sold my loans to Firstmark Services XXXXn XXXX. I have contacted XXXX XXXX regarding my loans and my inability to pay them back ( at the current market value ). As of today, my monthly payment is {$1400.00} and I am currently over {$5000.00} past due. I am simply unable to pay that. I havent been giving any options other than well thats the best we can do and we have to follow the guidelines of the loan. But after speaking with a representative from XXXX XXXX and someone from their legal team, they stated that Firstmark is able to make adjustments because they ( XXXX XXXX ) are no longer in the student loan business and have no control over what Firstmark Services does. 

The last representative I spoke to from Firstmark basically told me that my loans were close to defaulting and they couldnt offer me any other solutions. My credit has taken such a major hit from all the late payments reporting from all six loans that I cant even refinance if I wanted to. On XX/XX/XXXX XXXX XXXX XXXX XXXX  which landed me in the XXXX  for 5 days. After three XXXX, I was okay to go home but would be out of work for the next 8 weeks. My XXXX, physical and emotional XXXX took such a hit that I contemplated no longer being here. Once I went back to work I was put on a modified work schedule. I knew I would need another XXXX  in a few months. Fast forward to XX/XX/XXXX I underwent my second XXXXXXXX  and was out of work for three weeks ( I had to go back early for financial reasons ). Im drowning in XXXX XXXX XXXX in medical debt and am slowly making my way back to being caught up on my bills. I know that my loans can not be forgiven but I am trying to make payments as I can and I am very close to defaulting. I have been given no other alternative.
Product: Money transfer, virtual currency, or money service

I made a transfer of {$190.00} with a transfer fee of {$1.00} amounting to a total charge of {$190.00} on XX/XX/year> to my mom in The XXXX. The expected date for the transfer to be available was XXXX XX/XX/year>. The funds are still not available today XXXX XX/XX/year>. My first step was to ask my mom to communicate with the receiver bank and they stated no funds are available from XXXX to honor this transaction. I contacted XXXX through various means but I was not successful in getting a case started until XXXX XX/XX/year>. I provided them the reference number of the transaction, amount, name of receiver, bank account number of receiver, and bank name. I received an update today ( XXXX XX/XX/year> ) with information that contradicts itself. The message stated they indeed found an error with my transfer. However the funds were deposited but I was also entitled to a refund of only the transfer fee of {$1.00}. I called and spoke to an agent who said as far as they are concerned, the funds are deposited and there is nothing they can do for me. The funds are indeed not deposited and I would like someone to help me get my money back.
Product: Credit card

Last XXXX XXXX XXXX the XXXX at my home took XXXX of my credit cards without my permission and purchased over {$10000.00}. None of which the materials are at my house. XXXX was over {$4000.00}. XXXX XXXX was over {$6000.00}. I filed a police report. XXXX agreed and wiped out those charges however XXXX refuses. Ive tried XXXX times even when I talk to their company they feel that it should get wiped out, but theyre investigative group has decided again for a third time no. I have text proving that he admitted to doing wrong and would pay back. Hes never paid back and yet XXXX still refuses to wipe out these charges. I dont understand how that can not be fraudulent and should be a felony charge as well. I had pointed out what cards I was going to charge the extra cabinets on, but I did not hand them to him or tell him to use them for whatever he wanted. He also has XXXX other charges against him for acting as if he had a license and insured when he does not and also the XXXX office and other charges for the same thing thats happened to me with other people, weve paid and still has not supplied the material or the work in the thousands of dollars. Multiple thousands of dollars. My XXXX XXXX XXXX has now dropped to XXXX. Ive been forced to go into a XXXX XXXX XXXX and close out my cards because of this. There have been many things I wanted to do this year but cant afford because of this as well. This is not fair to me at all. Im a divorced mom of XXXX and a grandma of XXXX. Ive paid over {$3000.00} towards it already. Which has prevented me from paying more on my other bills so they all compiled interest charges hence needing to go into XXXX XXXX I was trying to save my credit score that I built up since my XXXX, all destroyed in less than a year. Please help as soon as possible thank you. Also note I posted on XXXX if anyone else had a problem with him and XXXX other people contact me. Since then I have XXXX now on XXXX messenger or on my XXXX page, I will be happy to give you a copy of those proof that they have filed or felt fearful of filingbecause he is a big guy very loud.
Product: Money transfer, virtual currency, or money service

I did XXXX wire transfers on XX/XX/23 for a total of XXXX, from my bank in XXXX, XXXX XXXX XXXX XXXX to bank account in JP Morgan Chase in XXXX, the funds were never put into that account, and the purchase that I was trying to do never happened, I told my bank to let Chase know that and to return the money back to my account. This never happened, Chase is saying that the Department of the Treasury was holding my money because it was meant for a purchase of a house in XXXX, which owner of said property in in the US, so the money was not actually leaving the United States it would always stay here. I personally called the Department of the Treasury and was told that they never had that money and to put a claim with the FDIC, I did this on Tuesday XX/XX/23 and they said to reach out to you guys. Please help me with this situation, its a lot of money that they are holding for no reason whatsoever. The purchase that I was trying to do with that money was cancelled and I just want the money back in my account ASAP.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 For the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c ( a ) ( 5 ) states ; no consumer reporting agency may make any consumer report containing any of the following items of information. I did not give any agency permission to share my personal information with XXXX XXXX XXXX. 
Attached please find copies of my credit report with documentations from all three credit bureaus that have notations that are not consistent. I have the right to have my files to all reports to not to have notations that are different. Due to this, I am requesting that this file, XXXX XXXX, Acct : XXXX be removed from all three credit reporting agencies. Per my report with XXXX, this account is closed. Per XXXX the payment amount is listed as {$0.00}. TransUnion is reporting it as a balance of {$0.00}. This is in violation of my rights as a consumer to have these inconsistencies on my Credit Report. Also, if the balance is {$0.00}, then this account should have never been sold to XXXX XXXX. 
I have circled all other inconsistent notations I see on all three reporting agencies documentation for this account. 
I am requesting that this account be removed from my credit report. This includes files for XXXX XXXX and XXXX XXXX XXXX. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 at XXXX, I received an email from Santander Bank regarding the opening of a bank account that I did not request. The account was attempted to be opened online using my PII. The only mismatch was the phone number. The fraudulent phone number according to Santander was : XXXX Santander said they will mail me an identity theft packet to fill out.
Product: Credit reporting or other personal consumer reports

Please be advised, you are currently reporting incorrect information on my credit reports. I have recently took XXXX XXXX XXXX to arbitration/federal court due to the same errors made on my credit reports and due to their failure to conduct reasonable reinvestigation and follow reasonable procedures to ensure maximum accuracy. As a result those accounts were removed promptly ( see attached ). Failure to comply is will noncompliance and willful negligence in which I will have to take legal action. Ive experience damages such as credit application denials, emotional and mental distress and in therapy. This is my final attempt to settle this matter outside of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX 2021. I was charged a total of XXXX late payments with my auto lender. Prior to these late derogatory marks on my reports I contacted the lender explaining my financial situation due to covid and promised to make some sort of payment of each month to avoid late payments on my reports. The creditor still went ahead and reported me late for several months which ruined my credit.
Product: Debt collection

Subject : Unknown disputed debt escalated to threat of wage garnishment and letter to employer without communication or any basic information about the debt in less than 1 month. 

On XX/XX/XXXX, my sister, who lives in Washington State, received a letter from the Law Office of XXXX XXXX XXXX on behalf of United Finance Co., both located in Oregon. 

This document stated she owed over {$9000.00} for an original debt of {$80.00}. 

It claimed that this debt was from XXXX, over 7 years ago. 

She does not know what this debt is for and there was no information on what it might have been for in order for us to try to confirm or disprove this debt 's existence. 

We do not know how they came to the amount of over {$9000.00}. 

This letter referred to a judgment against her : Case No. XXXX. The letter claimed this judgment was also from XXXX. 

She at no time in her life has received any summons nor been made aware that she needed to go to court. 

At no point over the last 7 years has anyone attempted to collect any debt from her, until this letter. 

Following the direction provided on consumerfinance.gov, we wrote a letter disputing the debt and asking for basic information about what they believe she owed money for, and sent it by certified mail. 

She never received acknowledgment from either the Law Office of XXXX XXXX XXXX or United Finance Co. that the letter was received. 

Instead, the XXXX XXXX XXXX XXXX XXXX XXXX sent a notice of wage garnishment to my sister 's employer, on behalf of United Finance Co. 

She received a copy of this letter. 

The new letter appears to have some discrepancies, among them, that the original debt was over {$2000.00}. 

It still does not tell us what the original debt was for and my sister has no idea what they are claiming she purchased. 

How can she dispute a debt she is unaware of from over 7 years ago, when the collector will not tell her what the debt was for? How can they go directly after her wages in less than a month 's time while she is still disputing the debt? How could there have been a judgment against her, when she was never notified of it or given a chance to defend herself?