23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative. 

I recently reviewed my XXXX credit file, and noticed a few things are incomplete and/or not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

These accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX and XXXXXXXX XXXX XXXX are not complete and accurate. I sent a letter asking them to make sure everything is complete and accurate and TO PROVIDE HOW THEY VERIFIED THE INFORMATION. They sent my investigation back and said everything is complete and accurate, but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either. and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I don't think I was late in the month 's reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on a Cares Act Forbearance with my mortgage company, Idaho Housing and Financial Association dba HomeLoanServ. This company is reporting my mortgage late each and every month to all three credit bureaus. Under the Cares Act, it states they are supposed to report as paid on time or in forbearance. In which this Company hasn't done either. They are not complying with the Forbearance guidelines. 
I have called and emailed them with no resolution. The company refused to update the account.
Product: Bank account or service

I have an international account at Citibank which I 'd have since XX/XX/XXXX. They have blocked the account so that I have no access to my funds, no way to write a check nor receive my social security and pension payments. The reason for the block is that I would not answer the questions below. When I told the account representative I felt they were too personal, I requested her to make the account a non-international account. She was going to check with her supervisor and get back to me. She did not get back to me, but blocked the accounts on XX/XX/XXXX with no notice not an email or phone call ; both checking and savings accounts. 

o I believe the questions being asked are unreasonable for a customer of 23 years which has not had an usual activity and who has had my salary directly deposited for the full time. There is a growing concern about identity thief. This level of detail is unnecessary for a savings and checking account. 
o I should have been notified by a phone call. This is a serious matter. Checks that have been written have been rejected. This is going to reflect on my credit score which I 've been very careful to maintain at a high level. 
o Social security requires three months ' notice for a change in direct deposit. I will miss these payments until XX/XX/XXXX. I am also missing my pension and annual company bonus as well. 
o I have spent endless hours trying to get to the right people to resolve this issue. I will be happy to supply all the information and who was contacted. A resolution of this is critical. 
The questions are below : In order to complete the account review, we need the below information for both signer : 1 ) Employer name, position, current total compensation including bonus, how long have been working with the company and what was the total compensation for the past 10 years 2 ) Cash balance in USA, Cash balance offshore ( if any ) 3 ) Any investment portfolio, if yes, is it in USA or offshore, what year was the investment started, what was the initial investment amount and current portfolio value, what was the average income for the past 10 years 4 ) Any real estate, it yes, please provide below information for each real estate : - Location, USA or offshore - Purchase year - Purchase price - Any mortgage when purchase? If yes, what was the mortgage - XX/XX/XXXX market value - XX/XX/XXXX remaining mortgage 5 ) Current ID copy, it could be a passport copy or driver license copy
Product: Student loan

I have a list with yall where I been providing information to all the loans companies and credit bureaus. I filed XXXX XXXX XXXX and navient and department of Education was included. XXXX I filed a XXXX XXXX and all loans was discharged. Why are they still billing me. Messing up my credit at the bureaus with wrong information. I wish someone look into this. How can I start a Class Action Lawsuit this is unacceptable all partied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX  ( mo ) XXXX, XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not updating my credit report. How is that XXXX has the same amount of credit accounts that XXXX have and my XXXX  credit report not being updated. XXXX scores XXXX and equifax is XXXX. It's obvious that XXXX is not updating properly. My financial opportunities and future financial growth is not favorable and sends a confusing message to future creditors. As a person of XXXX these discriminatory disparities is unfair and this is an honest attempt to remedy these contant and consistent acts of XXXX who continues to blame the creditors. The creditor are updating on XXXX who has the same accounts as XXXX. This feels like a scam and if not corrected I will be false to bring legal action.
Product: Student loan

Subject : Misleading Guidance by Student Loan Servicer Leading to Extended Repayment Term I am filing a complaint against my student loan servicer for providing misleading information about the effects of loan consolidation and Income-Driven Repayment ( IDR ) plans. I was advised to consolidate my federal student loans without being clearly informed that this would significantly extend my repayment term from 10 years to 20 years. 

As a result of the servicers advice, I have been in repayment since XXXX  and am still facing a substantial debt burden. I believe the servicer failed to disclose the long-term impact of these changes, which has caused undue financial hardship. I am seeking a resolution, including a review of my payment history and potential loan discharge or adjustment. 

Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Improper use of my credit report This creditor has violated my rights under 15 usc 1681 section 602 states Ihave the rights to privacy 15 usc 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not fernish an account without my written instructions and i need all my late payments to be updated as pay 's as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money
Product: Credit reporting or other personal consumer reports

I always make my payments on time. I'm confident about that. What confuses me is why this company is marking me as late on some months when that shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Product: Checking or savings account

I received a coupon which said " open or upgrade to chase sapphire banking account. transfer a total of {$75000.00} and maintain it for 90 days. Then I will get XXXX ultimate rewards bonus points. So I upgraded my account at a chase bank with the coupon and transfer {$75000.00} to my account on XXXX XXXX. Now 90 days past I have not received any points. I called chase customer service they said I have to to the branch which I opened my account to solve the problem. Then I went to the branch. A banker checked my account and told me the person who upgraded my account did not apply the coupon successfully. That's why I have not received the coupon. This is really wired because I saw the person who upgrade my account type in the coupon. And it is the bank 's fault. They said I can't get what they promise just because their mistake. this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts listed and a bankruptcy on my credit report that aren't mine.
Product: Debt collection

Mailed Letter on XX/XX/2018 recieved response on XX/XX/XXXX and XX/XX/XXXX no validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.
Product: Mortgage

Wells Fargo put over $ 100K added to the end of our mortgage in a predatory modification. The company has been ordered to make settlements on their illegal practices directly to consumers. I would like to file a claim
Product: Credit reporting or other personal consumer reports

The company has still not unlocked my credit report, preventing me from accessing my credit score. XXXX XXXX informed me that they are unable to retrieve my score through Equifax and XXXX. When I contacted Equifax, the representatives in the XXXX stated there has been a system glitch since XX/XX/scrub> 2023. I have submitted my identification documentation to the provided XXXX XXXX and have tracking numbers and registered mail receipts confirming its delivery. Despite this, my credit score remains locked and has not been updated since 2023. 

Whenever I call, the offshore agents seem trained to make the process difficult, which is why Im turning to consumer finance for assistance. It's been incredibly challenging to reach customer service, as there appears to be no effective means for resolving issues. I have been trying to get help for over a year and a half, yet my Equifax account is still locked, preventing access to my credit score. If this situation is not resolved, I may have no choice but to pursue legal action in federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just pulled my credit report few days ago, I have noticed 4 accounts which I do not recognize. I have never the following accounts : 1. XXXX XXXXXXXX XXXX  XXXX account number XXXX. Delinquent 2. Amex  : account number XXXX. Delinquent 3. XXXX XXXXXXXX XXXX : no account number shown on the credit report 4. XXXX XXXXXXXX
Product: Credit card or prepaid card

I made two purchases in XX/XX/2017 that fell under a promotion that Navy Federal Credit Union was running that advertised 0.0 % APR for 6 months on purchases of $ XXXX and 12 months on purchases over {$1000.00}. Since that time, I have made payments on the account that covered the purchases made that period with no balance forwarded other than the promotional purchases, otherwise referred to as the revolving balance by other credit card companies. Navy Federal Credit Union VISA is stating that because I didn't bay the statement balance ( purchases + promotional balance ) in full, I am subject to interest on the average daily balance minus the promotional 0 % APR amount.

VISA has " duped '' the customer by advertising a 0 % APR promotion and then charging interest on the average daily balance of the account when that promotional balance hasn't been paid in full because they are including it in the statement balance. 

I called the Customer Service Line inXX/XX/XXXX and the interest charges from theXX/XX/XXXX and XXXX statements were credited back to me. However, they continue to charge me interest because I haven't paid the statement balance, even though I have paid more than the purchases that period and contribute to the reduction of the promotional balance. 

Based on experience with other credit cards through stores such as XXXX XXXX and XXXX 's, I don't understand how I can be charged interest because I haven't paid off the balance of a purchase that has a 0 % APR. That promotional balance should be separated from the revolving balance, and if that revolving balance is not paid in full I would completely understand being charged the interest.
Product: Credit reporting or other personal consumer reports

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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

My experience is : I started applying for unemployment benefits in XX/XX/XXXX. Because I changed my residential address, the Unemployment Bureau needed me to further verify my identity. I also completed the certification in accordance with the requirements of the Unemployment Bureau. However, this time the welfare fund It was not issued to my Bank of America prepaid debit card as usual, but was mailed to my home via check. Then when I went to withdraw the money in bank of america i foud out my Bank of America prepaid card was blocked. so I started to contact XXXX. XXXX  said that I had completed the identity verification and that their relevant departments would notify the Bank of America to unfreeze it. The matter should have been over. But no, the bank kept telling me that they had not received a notification from XXXX to unfreeze my bank card. I kept contacting XXXX to ask them to unfreeze my bank card. Until XX/XX/XXXX, I contacted XXXX and asked to unfreeze it again. They told me that they had notified Bank of America many times. it was XXXX. I took all the documents that could prove my identity, including my U.S. green card, ID card, employment card and some bank cards back to bank of america office.under the certification of the Bank of America staff. During the service call, they informed me that my card had been closed, and the balance of US {$3600.00} had been refunded to XXXX on XX/XX/XXXX. I asked why, and they said that my card had been frozen by XXXX, and now that it is closed, they will refund the money. XXXX, then I contacted XXXX, and XXXX told me that they had not received any payment from bank of america, and asked me to contact Bank of America again. I contacted the bank again, and the bank still said that the refund was given to XXXX. I asked them to give me their transfer confirmation code., they said no, I asked them to reconcile with XXXX or contact XXXX to confirm the payment. The answer given by Bank of America was that they did not have a transfer confirmation code and would not contact XXXX directly. They only asked me to contact XXXX by myself. I have I contacted XXXX many times and they confirmed that they had not received any refund and they already notifica bank to unfreeze my account. Now I am so helpless. Bank of America refunded my money to XXXX without notifying me, and then refused to follow up .and they can not give me a transfer confirmation code let me comfirm with XXXX. and now refuses to serve me because my bank card has been closed. I have no way to complain and get help to solve this problem and get my money back. I hope someone can help me.The problem of my bank arose from the cooperation and communication between the bank and edd. Both of them asked me to contact each other to solve the problem. As a consumer, I was really helpless.
Product: Checking or savings account

Santander Bank had a promotion for a {$150.00} bonus with opening a checking account. To qualify for the bonus, some terms must be met which included a direct deposit of {$500.00} or more within 90 days of account opening and keeping the account open for 90 days. Santander 's te rms and conditions of the offer state that the offer is not available to current or former customers who OPENED a checking account between  XXXX  2016  and  XXXX / XXXX / 2016 .     I have met all the conditions above listed and advertised in  Santander 's promotion. I met the direct deposit requirement soon after account opening and did not have an account or opened one with Santander betw een  XXXX / XXXX / 2016  and  XXXX / XXXX / 2016 . I have very clearly met the terms outlined in their qualification s. Santander refuses to deposit the {$150.00} for unknown reasons, and attempts to reach out to Santander ha ve been unsuccessful in achieving a resolution
Product: Debt collection

Complaints against : I.Q. Data International Experian plc -- -- On In XXXX of XXXX I was contacted by I.Q. Data International Inc regarding a debt of {$2200.00} that I owed to a former apartment complex called XXXX, managed by XXXX XXXX. 

I disputed the debt by written communication on XX/XX/XXXX, and verbally requested a debt validation letter on XX/XX/XXXX. I received a second debt collection attempt via mail on XX/XX/XXXX. I.Q. Data International did not send a debt validation letter. I sent an additional letter disputing the debt and asking for a validation letter. As of XX/XX/XXXX I have not received a debt validation letter from I.Q. Data International despite my request. 

On XX/XX/XXXX, the collections account appeared on XXXX Credit, and XXXX without me having received a debt validation letter as requested. I disputed the entry with XXXX, however they have failed to remove the account from my credit report despite proof that I did not receive a debt validation letter after requesting one from I.Q. Data International. 

Attached documents : XXXXebt Dispute.pdf - Letter sent to I.Q. Data International on XX/XX/XXXX requesting a debt validation letter. 
DebtDispute.jpg - Copy of I.Q. Data International notice and a XXXX Certified Mail Receipt marking that I sent the above mentioned letter to I.Q. Data International disputing the debt. 
XXXX Informed Delivery Records XXXX XXXX XXXX.pdf- All of my XXXX Informed Delivery notices showing that no mail from I.Q. Data International has arrived in the months of XXXX and XX/XX/XXXX. The only letter to arrive was the aforementioned second collections letter on XX/XX/XXXX. No other documentation from I.Q. Data International has arrived since.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX Acct : XXXX Negative item on credit report keeps reappearing after successful removal. And all information is totally inaccurate.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Dept of ED XXXX XXXX Dept of ED , XXXX/ Dept of ED 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 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: Money transfer, virtual currency, or money service

I have been a Cash App customer since 2018 and I never intentionally violated any of their rules or used the app for anything illegal. On XXXX, they suddenly closed my account by error, I tried contacting them via Chat, phone, and facebook. Every time they promise me that they assigned my case to someone to look into and I will hear from them soon but I never got any response. Cash App has XXXX customer support.
Product: Bank account or service

I signed up for a promotion for XXXX XXXX after completing specific requirements. 

" Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.
Product: Credit reporting or other personal consumer reports

I have had few credit cards in my lifetime and all perfect payment history however recently I went to open it try XXXX XXXX and found out I had 3 and XXXX as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 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 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 an account without my written instructions.