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

I received an email offer to upgrade my credit card if I responded by as certain date. I complied with their procedures and submitted the upgrade request which was approved. As part of the promotional offer they were suppose to give a {$300.00} statement credit and an additional XXXX miles to my airline after I passed a purchase limit. 

When I did not receive the promotion offer I called in XXXX, XXXX  and asked what happened. They first indicted that they could not find the offer to me. When I was able to provide them reservation number provided they then told me that I did not comply with the requirements. I then asked to speak to a supervisor. When he returned the call he provided me the same information. He said he would submit it for review and if it was approved I would find out when the next statement came out for the credit and when I received my monthly miles statement from the airline. 

What really drove me crazy is when I was asked to submit documentation of my request they had a standard block on what you were writing about that included " not receiving promotional offer ''. 

As of this date nothing has happened.
Product: Mortgage

Various calls have been made to XXXX XXXX  a/k/a Quicken Loan a/k/a Rocket Mortgage to avoid collection tactics and foreclosure threats. Over the course of several months, attempts to catch up with any missed payments have been met with confusing, complex inadequate help from Quicken Mortgage. Our family has suffered through weather disasters and a government shutdown recently. We were able to managed payments until a salary delayed caused a domino effect. A loss of income ( separation from my spouse ) decrease my income severely, A request was made to decrease payments, however, after several months I was given instructions to 'jump through hoops, '' in the form of asking for paystubs, which was ok, then bank-statements, which was ok, just to be told they did not receive them, then they did receive them but by that time, another month has passed, increasing payments, interest and late fees as well as reporting to the credit bureaus for 30 day late payment, then 60 day and 120 day. I was told to send them again, this was done on XX/XX/2019. We were told quicken needed updated bank statements. Then the same day we were told updated paystubs were needed. They received them but could not read them several weeks after they were sent. This sounds purposeful with the objective to get so far behind and poor credit we could wind up losing our home through deceitful tactics such as this and no way out but for me to file bankruptcy, I will fight to keep my home but will also report to others how tactics such as these are purposeful and made to keep consumers in poverty.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, a court order was issued vacating a child support judgment, I contacted Experian Credit bureau and forwarded them a copy of the court order, they have done nothing to remove the negative information from my report, because of that my credit standing was affected with other lenders causing a financial meltdown, the information is still listed on my credit report, please be advice that when a court vacates a judgment, it is as if the judgment never existed, therefore all information related to this matter must be completely removed from my credit report, a vacated judgment should never remain on anyone report, I believe my rights has been violated.
Product: Mortgage

Let me start off stating I am very disappointed in my experience with Guaranteed Rate. I am a XXXX XXXX for a huge bank and chose to originate my first mortgage with Guaranteed Rate due to the overwhelming customer satisfaction experiences of other clients. To my surprise, after receiving a clear to close in XX/XX/XXXX and almost a 3 week notice of closing date, Guaranteed Rate dropped the ball by not having the final figures ready until after I showed up at closing, which is absolutely ridiculous when you have a 3 week notice of closing. 

Per numerous conversations with XXXX XXXX, the mortgage consultant ( and I hope recorded ) he had explained the 2 % grant from XXXX XXXX XXXX Home Possible could be used toward the down payment of the 3 % customer required amount for XXXX XXXX XXXX XXXX XXXX  program. He even told me I would most likely have to bring less than {$1000.00} to closing. I received an email on XX/XX/2018 from XXXX misleading me on the 3 2 5 Guaranteed Rate grant program and confirming my approximate cash to close would be about {$300.00}. The loan officer confirmed by email the 2 % grant could be applied to my 3 % contribution/down payment. I didn't receive a final settlement statement/closing disclosure until I was literally at the closing table and to my surprise my cash to close was {$4500.00}. XXXX was now saying the 2 % grant could not be applied to my 3 % minimum down payment. I was infuriated because this is not how the loan officer explained the 3 2 5 Guaranteed Rate program. This caused my final figures to be thrown off by not having enough closing costs to use all of the seller credit that I was given. 

To make matters worse, he didn't fully utilize the {$6000.00} seller credit that was agreed upon between the seller and me. I bought the down the rate to 4.375 % since it was originally locked in at 4.875 %. The seller was only required to give me {$5000.00} at closing because XXXX didn't let me know ahead of time that there would be extra seller credit left over that could've been applied to buying down the rate. Not only did I lose out on {$1000.00} of seller credit but I lost out on saving interest by not buying down my rate with the entire seller credit. The seller 's attorney would not allow me to delay the closing to buy down the rate and stated I was in breach of contract if I did not sign on XX/XX/18. Now I ask, why didn't XXXX quote me a lower rate to buy down the interest rate even more prior to closing? Why was there extra seller credit that given back to the seller? The loan office miscalculated how the 2 % grant would be applied and cause me to close {$1000.00} in seller credit that could have been used to obtain a lower interest rate. 

Buying a home is supposed to be one of the happiest days of your life and I was left at the closing crying because I had to come with cash to close that was not anticipated and lost money that was supposed to be given to me from the seller. How is it ok for a loan officer to mislead the customer to believe a credit can be applied towards a down payment then surprise the customer at closing by saying it can only be applied to closing costs?
Product: Money transfer, virtual currency, or money service

In XXXX crypto.com sent me an email regarding my visa card transactions, they asked me to send them information such as bank statements, proof of income, and explain my transactions. I responded to the request on XX/XX/XXXX. On XX/XX/XXXX my account was locked, and i was informed by rep that it was due to me not responding to the email in XXXX ( i have proof that i responded ) so now my crypto and my XXXX money that was sent to my account via ACH bank transfer, have been held hostage by crypto.com since the XXXX of XXXX. Since then I have communicated with a " special team '' via email and they keep asking for more personal information and asking for evidence of how I spend my transactions. I've given them everything they needed and my funds over {$7000.00} have not been released. I've requested for them to outline the steps to release my funds and close the account and I have not gotten a response from the " special team '' since XX/XX/XXXX. They seem to be getting more quiet and less commination is happening after i have expressed how uncomfortable and frightened i am.
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I recently check my credit and saw there were some fraudulent accounts that I didnt authorized here are the accounts XXXX XXXX XXXX XXXX XXXX SUNRISE CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist from Contact Regarding account number : XXXX Dear XXXX  XXXX, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced debt, including but not limited to phone calls, letters, emails, or any other form of contact. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
Please be advised that I am requesting you to stop all further attempts to collect this debt, and I ask that you refrain from contacting me again. If you continue to attempt to collect this debt after receiving this notice, I may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney Generals office.

Please confirm in writing that you have received this request and that you will comply with it. Per Section 623 ( A ) ( 1 ) ( A ) ( B ) you have been notified and you are not allowed to report moving forward. Also per section 15 USC 1681i ( a ) ( 6 ) ( b ) ( iii ) Im also requesting the procedure used to determine the accuracy and completeness of the information that is reporting. If you continue to report this debt you will be in complete violation of the law. I am also requesting that you provide me with written verification of the debt, as required by law, if you have not done so already. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call from a Wells Fargo executive was the following " You must be collateral damage from the account holder 's illegal actions ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. I believe this comment was racially motivated. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I wire XXXX every two weeks to XXXX to fund the Hospital operation. I have been wiring money for the past 15 years. They know my business depends on these funds. 
I believe I am also a victim of racism as they clearly know Im XXXX and these funds are going to XXXX. ( My hospital is globally known and is recognized by US institutions including the UC health system ) XXXX XXXX dollars of assets frozen which paralyzed my business. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 
ANOTHER CLASS ACTION AGAINST WELLS FARGO COMING : YOUR MONEY IS NOT SAFE. 
45 years Wells Fargo account holder. 
Inadvertently, without warning they froze my assets and closed my business accounts. The only explanation given to my business partner via telephone recorded call : " You must be collateral damage from the account holder ( XXXX XXXX XXXX ) implying I am conducting ilegal or fraudulent activity. 
As a business owner ( XXXX XXXX ) my accounts were closed right at the time we pay the payroll bonuses etc. as well as receive direct deposits from future patients scheduled for surgery creating a real severe financial hardship on the company with this arbitrary decision with NO WARNING. 
I am seeking legal council as I have detected a longstanding customer abuse from Wells Fargo. 

XXXX XXXX XXXX XXXX, FACS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX de XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX California , XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX , XXXX XXXX XXXX XXXX California, XXXX XXXX XXXX XXXX XXXX, Ext XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the companies listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

Please do as you are governed under the Fair Credit Reporting Act and do a complete investigation on the listed inquiries. Provide me with the results of your investigation within 30 days of receipt of this letter. I am sending this letter certified mail, return receipt requested so that I will have documented confirmation of delivery. 

XXXX  XX/XX/2023, XXXX  XX/XX/2023, XXXX  XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX  XX/XX/2023 and XXXX XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is about blatant violations by XXXXt and Equifax, XXXX  and XXXX. I asked XXXX to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent XXXX other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. Equifax even went on to say they were no longer reporting this XXXX  account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only XXXX they're doing this to. I could really use your help in this matter.
Product: Debt collection

I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/ a certified notice was sent to Best Buy Credit Service in reference of a billing error. Best Buy Credit Service failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment.
Product: Checking or savings account

Bank of America continues to place holds on my payroll checks even after I've held the account in good standing for more than 30days. I deposited a check yesterday XX/XX/XXXX and was told {$220.00} would be available immediately then there would be a 2 day hold on the balance till XX/XX/XXXX. Thats when my rent is due. I am also restricted to {$2500.00} in mobile deposits per month for 90 days or so they say as the counter deposit problem has now shown to be longer than 30 days. 

At XXXX CT I received an email stating the ENTIRE amount would be held till XX/XX/XXXX. Rent is due tomorrow.

Awoke this morning to find they BofA released {$1000.00} into my account, but still states the full amount is " on Hold '' I called in to speak to a banker and get answers to which I was given only programmed responses, XXXX definitive or direct answers. Not only as to why the hold, but why the different " hold '' amounts and times. I also confirmed this morning that the source bank where the payroll account is paid from had the money pulled YESTERDAY.

I asked the banker on the phone how long I was to be treated like a criminal before my checks were considered viable, and I'd be able to mobile deposit more than XXXX XXXX. She had no answer, I even pushed and said " it could take 10 years? '' She could not ; would not refute that. 

How is BofA allowed to just randomly hold funds in escrow without proper reason? 

This is not the first time. When I opened the account I initiated an ACH draw from my old bank to fund the new accounts at BofA. The money left my old bank within a couple of hours. It did not arrive in my BofA accounts for over a week and that was only after I had to " rattle cages '' as even the bankers I spoke with then couldn't tell me what was taking so long.

My experience with BofA leads me to believe they are hold funds in escrow for for purposes other than verification. If I can verify the validity of a check in real time... WHY CAN'T A NATION WIDE BANKING COMPANY.

The call today was recorded ; here is the file info and banker I spoke with : XXXX from Texas : XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

These erroneous entries have severely affected my credit standing, resulting in a significant drop in my FICO score. Consequently, I am experiencing considerable financial distress, which has hindered my ability to obtain credit and manage my financial obligations effectively. 

Given the substantial impact this situation has had on my financial well-being, I urge you to treat this matter with the utmost urgency. I request that these inaccuracies be thoroughly investigated and that the erroneous items be blocked and removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX XXXX COMMITS FRAUD, he claims i owe something when the original instrument is quite valuable i see they make up excuses to keep this alleged ''bad check '' that they made profits from and keep secrets, if the check was bad so give it back, but rather the contrary i did them a favor and made them a securities instrument they can sell because thats what they do to everybody. 

Unless you can provide a verified complaint which lawfully consists of a sworn statement under penalty of perjury notarized with your wet ink signature also provide me with proof of debt which would be a bill other rather than a statement all this XXXX you're talking about is nothing but presumptions and word semantics and I'm not falling for it because you're guilty and I'm going to prove it furthermore you have not cited the particular federal law you speak about which federal law? Quote me the citation that you highlighted in your little book that you sent to me show me the actual federal law that you speak of. A bill would show something that's old I have never received a bill. The check that you have sold as a Securities instrument with my wet ink signature I have located it and when I fly over on the airplane to retrieve that instrument all XXXX XXXX is going to break loose I'm going to expose the biggest fraud of the banksters you don't XXXX sell my XXXX signature and make profit off of it and then tell me that I owe you something let me tell you something XXXX XXXX