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

I received a promotion offer from Citibank to open an Accelerate Savings account between XXXX, deposit {$50000.00} within 20 calendar days, maintain this minimum balance for an additional 60 days, to receive {$450.00} bonus reward within 30 days. I opened my Citi Accelerate Savings account on XX/XX/XXXX, deposited {$50000.00} by XX/XX/XXXX, my balance has since always been above {$50000.00}, but after waiting the required 60 days plus another 30 days, I have not received the promised {$450.00} bonus. 
On XX/XX/XXXX, XXXX PST I called Citi and spoke with a representative named XXXX XXXX who verified that the promotional offer was attached to my account and that I qualified for the bonus. She filed a promotion dispute and stated Citi will resolve the matter within 15 days. 
On XX/XX/XXXX, XXXX PST, I called again and was told the dispute was submitted but takes 20 calendar days. The representative, Era, had no ability to apply my due bonus and the security team who does allegedly have the ability to fix this issue, can not be put in contact with me, the customer. I fulfilled all the requirements, also confirmed by Citi 's representatives, and should not have to wait endlessly for the bonus promised to me, dance through this bureaucratic ring-around, and make multiple calls to try to get my due bonus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) That you, The XXXX XXXX and Experian Credit reporting agency, Block information Appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this report. This fraudulent, inaccurate and false information consist of personal credit card accounts, Hard inquires, Installment loans and an auto loan, wrong personal information. These Accounts have resulted in collections and hard inquires being reported on my Consumer fico credit report. I have attached a list of every fraudulent item also i have attached a copy of my full credit report from XXXX. which shows all aforementioned fraudulent items. I do not recognize the aforementioned accounts, Collections or hard inquires as reported. the aforementioned accounts collections or hard inquires maintained by you on my credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts collections and hard inquires are all a result of identity theft and fraud. I have attached the copy of the FTC Identity theft criminal complaint # XXXX as proof from the US FEDERAL TRADE Commision that all of the aforementioned consumer credit accounts, collections, and hard inquires are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized inquires reporting to my TransUnion report. These are lenders that I did NOT submit a request for any lines of credit. The lenders are XXXX XXXX XXXX XXXX and XXXXXX/XX/XXXX. I contacted TransUnion on XX/XX/2021 in regards to this matter and was told to contact the creditor/lender directly to verify. Each lender has informed me that no accounts exist or lines of credit have been issued under my social however, there was an application submitted that resulted in the inquiry. TransUnion is not working proactively to resolve this matter even with the lenders confirming that I have no active accounts.
Product: Student loan

My student loans were on the REPAYE before the pandemic. My payment amount was {$320.00}. The SAVE program was announced to replace REPAYE. All terms are the same, except the amount of income excluded from payments increased. This should reduce all payments when based on the same AGI. My servicer changed my payment amount to {$570.00}. I ran the calculations myself and discovered that this amount is the total payment amount under SAVE for my joint AGI with my spouse, who also has student loans outstanding. I called them on XX/XX/XXXX to inform them that my payment amount should have been allocated to my husbands loans as well as my own. They first stated that I had submitted something saying I was single. The last time I recertified was in XXXX  and I have checked the application and everything was correct. I was told multiple times that the only way to correct it would be to recertify. I do not want to recertify as the Department of Ed has guaranteed that we would not be required to for at least six months. I am entitled to make the payments based on my income from my last certification for at least that amount of time. I did not fill anything out incorrectly, I did not even request for my payment plan to change. I had no choice but to be moved to SAVE, and the President and the Department of Education are telling everyone payments will be lower, so it is unacceptable that my payments are increasing due to someone elses error, and I am being punished with having to recertify earlier. 

I then was transferred to a supervisor who told me they could recalculate my payment with the info for my husbands loans but she had to transfer me. I had to answer many questions about my income and family size to this person, when all of the information should have been on my XXXX  recertification. They said I should get a letter in 5 to 7 business days about the recalculation. After about a week with no indication on my Nelnet account, nor my student aid account that anything was being done, I spent more hours on hold to inquire. They told me they didnt know why it wasnt processed yet, but they didnt see any issues with it. I requested they send me some kind of documentation for my records. They claimed they could not provide me with anything other than verbally. 

Almost another week has gone by with no indication that my payment will be recalculated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account ending in XXXX contains a billing error. 

Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.
Product: Debt collection

Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
Product: Payday loan, title loan, or personal loan

As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Prepaid card

I purchased XXXX items from XXXX for the amount of XXXX and XXXX as a result, the XXXX was for car parts which i was missing some parts which were XXXX and the shoes were for XXXX which were defective i opened up a dispute with the merchant it was denied i opened up the dispute with my bank adp as a result im very upset and un happy with the outcome im just asking for my refund which clearly no one is willing to do so! Adp should be embarrassed and ashamed to do their customers this way! Its a big mess with these XXXX transactions ive been giving the run around for a month straight lie after lie
Product: Debt collection

So, I have had my cell number for around 10 years. I keep repeatedly getting calls from a XXXX XXXXXXXX number. I have a XXXX XXXX, Mo number. Since they dont leave their name or who theyre calling from I have to look the number up that they say to contact them back on. Actually, the only thing they say on the VM is " Contact me or my associates at XXXX ''. Sometimes you may hear its start with XXXX but they ALWAYS leave out who theyre calling from or what their company name is, which I was under the impression is a illegal tactic under the FDCPA. 

Well, i called them once again and theyre name is Diversified Recovery Bureau LLC and theyre looking for a woman under the name of XXXX XXXX . Which I am not, no only is that not me but im a man, and no one in my family has that name. Ive told them this in the past. When calling, they dont even like to clearly tell you what their name is, they try to brush by it quickly and not clearly. Very unprofessional if you start questioning them. 

So, today is XX/XX/2023, I recieved another Vm doing the same thing, and i called them back to let them know that this is not me and they need to stop contacting me. Its frequent too. I have XXXX in my Vm log now, plus XXXX in my deleted folder, doing all the same tactic calling from XXXX number being ( XXXX ) XXXX. I have these Vm saved and can provide proof of them.
Product: Student loan

Nelnet is in violation of FDCPA and negligence.

FDCPA Nelnet has never responded with verification of Debt following all inquiries and allegations. Under 1692g ( b ), if a consumer notifies the debt collector in writing within thirty days of receiving the 1692g ( a ) notice that he disputes the debt or any portion of it, the debt collector must stop collecting the debt, or the disputed portion of the debt, and obtain verification of it and mail that verification to the consumer. This information has never been obtained from Nelnet. Nelnet has engaged in False or misleading representations, Other prohibited unfair practices as Debt collection agencies may not : collect an amount greater than what you owe. If they do not have validation of the debt and have not provided that it stands that the amount due can not be known. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, -- - XXXX XXXX -- - ( XXXX Cir. XX/XX/XXXX), 2014 WL XXXX XXXX XXXX Cir. Mich. XX/XX/XXXX XXXX, XXXX U.S. App. XXXX XXXX, the XXXX Circuit expanded the requirement for how a debt collector must respond to a debtors request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( FDCPA ) Nelnet has violated FCRA and GBLA laws by the inability to produce records. There are multiple months with missing information not reported or reported incorrectly. This formation has been been provided to Nelnet on Multiple occasions. Nelnet does not have the requested records and is therefore unable to show this information to credit agencies effectively. They report NO DATA for multiple months on all 3 credit reporting agencies. This violates fair credit reporting and because it has happened over the course of 5 years on Multiple occasions it is not longer negligence but intentionally misleadingly. This violation is the second reported by the company against for violating FCRA as the first regarded violation of privacy laws under FCRA and GBLA. The fact that they are violating multiple sections of FCRA concerning Accuracy and Privacy on multiple occasions is not a call for concern but a call for action. This action has led to breach of contract under Nelnet Terms of Service when they were to have verified the actual debt before buying it from XXXX and other companies. They are unable to very the data missing and have therefore failed to report it to the Credit agencies. This violates FCRA and GBLA laws. Nelnet purchase my Loan from another company. When a company purchases a loan they are required to very that ALL details of the loan are valid. Nelnet did not validate the debt before purchase and violated FDCPA guidelines. Nelnet has been asked in CFPB complaints to verify debt by asking about the lack of reported information to CRA 's.
Product: Debt collection

XXXX XXXX XXXX XXXX had filed a collection on my credit profiles for service and devices which were paid in full and the device returned in good working order at one of their retail locations. I've disputed this and given details on several occasions however they have sold the debt to a collection company who refuses to remove the false claims. This has been disastrous to my life as I've been unable to refinance my home during this pandemic to provide financial relief. I've tried to contact the company directly via telephone messages and emails through their website many times and get no response at all. I'm so frustrated at this blatant fraudulent claim with no accountability and response yet I don't have the resources to sue them to remove it. Please help. 
The account is now with Credence Resource Management, XXXX, in the amount of {$2.00} XXXX, none of which is legitimate and they simply will not respond to any attempts to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint regarding identity theft. According to Fair Credit Reporting Act Section 605B ( a ), credit bureaus must remove or block any items that were opened without my knowledge, consent, or authorization within 4 business days of receiving the following : ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is unrelated to any transactions by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXXBalance : {$4800.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX  XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account was restricted permanently. I had money stolen from my account and when I filed a claim, the bank retaliated against me by restricting my account access permanently. Its clear they just want to get out of reimbursing me. The law states that I am not liable for any unauthorized transactions. Yet, {$1000.00} was stolen from me and PenFed did NOTHING to help me or to get my money back. The account is FDIC insured up to {$250000.00}. But my claim was not approved and all fraud that was done onto the account by a relentless criminal was then blamed on me and told to me that I violated the terms and conditions. I followed all the terms and conditions and let the bank know of the fraud right away. IF PENFED OFFERS YOU FINANCIAL PRODUCTS OR SERVICES, RUN! 
Such a terrible bank and the app is terrible. There is nothing secure about this bank. I believe this bank is embezzling my money for their own financial gain. I plan on filing a complaint with the ftc. I also plan on suing for damages is court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX agreed to " remove all delinquencies reporting from XX/XX/XXXX through XX/XX/XXXX '' and " remove the charge off status. 

This account should be reflected as paid and in good standing. 

Evidence has been attached.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$1200.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to find out the negative point on my credit score since Equifax was much lower than the other two scores. They were VERY UNHELPFUL, the employee was XXXX, employee ID XXXX
Product: Checking or savings account

I deposited a check in XXXX, the check had a hold on it for 20 business days. The check cleared and was released. XX/XX/XXXX chase restricted both my savings and checking accounts. Requested I supply more info. I complied and provided the legal documents. They refuse to unrestrict the accounts, due to a personal opinion and document that does not exist nor will exist, due to it is not required.
Product: Vehicle loan or lease

I leased a XXXX VW XXXX in XXXX of XXXX for XXXX years. I clearly communicated that my intention would be to purchase the car at the end of the lease, and I was told that I will probably change my mind. I disagreed in passing, and we moved on to complete the lease paperwork. While signing the paperwork, I was verbally offered an excess wear and tear package that would repair up to {$7500.00} dollars worth of damage for {$800.00} that would be added to the lease. I accepted the package. 

The lease reaches maturity in XX/XX/XXXX and I recently had the car inspected at the end of the lease- fully expecting to have any repairs settled via the excess wear and tear package prior to the end date of the lease. There were a few dings for which the estimated total is less than {$700.00}. I called VW to utilize the package I purchased with the lease, but was told that since my intention is to purchase the car, I can not take advantage of the package they sold me for {$800.00}. My complaint is that this package was sold to me by a salesperson who was clearly informed of my intention to purchase the car, knowing I would not be able to use it when I went to purchase the car, and without explaining that it can't be used while the car is still under lease. This feels like a clear bait and switch.