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

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

I see that the same information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXBalance : {$490.00}, XXXX XXXX Balance : {$1000.00XXXX XXXX XXXXXXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance XXXX {$38000.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX XXXX XXXXXXXX XXXX XXXX was properly investigated however this can't be possible if the open date is inaccurate. The date last active is incorrect and the date reported is also untrue. These circumstances are ground for removal. 

Furthermore, the bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. My rights were also violated under 15 U.S.C 1681 Section 11 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me when they receives any of my disputes. 

Moreover, the credit bureaus have continued to violate my rights under 15 U.S.C Section 611 ( 5 ) ( a ) ( l ) ( ii ). The states if items are found to be documented falsely or can not be confirmed the consumer reporting shall promptly delete the information from the file of the consumer My last name has legally been XXXX since 2012 I have paid my mortgage in full to XXXX XXXX ( Mortgage ID XXXX ( Credit Limit ) {$63000.00} I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is properly spelled XXXX not XXXX Please delete IMEDDIATLEY
Product: Credit reporting or other personal consumer reports

I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, XXXX and Lexis Nexis. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and saw some hard inquiries that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX sent me a letter stating the total amount owed was {$0.00} this has not been updated on my credit report. I have disputed this item and it has not been resolved it still shows negative information. this account is settled and paid completely.
Product: Credit reporting or other personal consumer reports

I am very upset. My credit report contains inaccuracies and incomplete information. 
My request to correct this information keeps getting disregarded and my XXXX XXXX is unfairly affected
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the lagger posting of charges and credits. This issue aligns with the recent CFFB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.
Product: Bank account or service

This is a complaint about a promotional bonus not being credited, in violation of the terms and conditions provided to the customer ( me ) at the time of enrollment. 

I opened a Citi Savings Plus account in XX/XX/XXXX after enrolling in a promotional offer, offer code XXXX. Per the terms and conditions provided me at the time, I expected that my account would be credited with {$300.00} within 90 days of XX/XX/XXXX if I deposited {$25000.00} to {$50000.00} by XX/XX/XXXX and kept at least that balance through XX/XX/XXXX, which I satisfied. However, 90 days later ( XX/XX/XXXX ), the {$300.00} promotional bonus has not been credited. 

I have called CitiBank customer service to give them an opportunity to rectify the issue, but they claim that the bonus failed to credit because the offer was " targeted ''. However, the terms and conditions PROVIDED TO ME AT ACCOUNT ENROLLMENT do NOT state any such contingency, and hence that excuse can not apply. In fact, I even received an enrollment confirmation ( of which I took a screenshot along with the terms and conditions ). Despite this evidence, Citi is refusing to credit me the bonus ( citing the " targeted '' excuse despite it being absent from the terms and conditions ), and hence they have failed to uphold the terms and conditions to which I agreed at time of enrollment. 

To preempt a possible response from CitiBank, they MIGHT respond to you claiming that the promotion was " targeted '', but that excuse is invalidated by the evidence I am submitting, namely the enrollment confirmation and complete terms and conditions on which I based my decision. 

I would like to emphasize that I signed up for this savings account SOLELY because of the promotional bonus, and in good faith that my satisfaction of the terms and conditions would result in my being credited the {$300.00} reward. I therefore submit this complaint seeking to enforce the terms and conditions that Citi provided me ( upon which I based my decision to do business with them ), and thus be credited the promotional bonus described in those terms. 

Description of attachments : * CITI SAVINGS OFFER SCREENPRINT.pdf '' -- screen capture taken on XX/XX/XXXX showing enrollment in the promotion ( top of first page ), terms and conditions upon which I based my decision to open my account, and the offer code ( bottom of second page ) * " citi savings plus statement [ XX/XX/XXXX ] .pdf '' -- statements for the account in question showing satisfaction of the terms and conditions.
Product: Debt collection

They call me and tell me when I have no money for a payment to borrow money from friends or churches.
Product: Checking or savings account

I was a joint/equal account owner for the lifetime of a bank accounts with my business partner XXXX XXXX at US Bank XXXX Statements are attached. 
On the XX/XX/XXXX the statement showed a balance of {>= $1,000,000}. 
On XXXX XXXX the statements showed a Branch Account Transfer to another account within US Bank for {$700000.00} without my knowledge. 
I checked the account balance on each accounts on XX/XX/XXXX. The one ending in XXXX showed {$140000.00} & the other account ending in XXXX showed {$97000.00} which equals {$230000.00}. 
When I discovered this I went to the US Bank XXXX XXXX XXXX XXXX, MO XXXX branch on XX/XX/XXXX to withdraw the balance. XXXX was/is a manager whom I had a personal relationship with because I saw her almost every day. She asked me personal questions like " why was I withdrawing '' & " what was I doing ''? She issued me a cashiers check for {$230000.00} and then pulled it back & said there was fraud on the account & said she wanted to call XXXX. So I went to Commerce bank & deposited XXXX checks totaling {$230000.00} ( attached ) .They ended up bouncing because it was very apparent XXXX did indeed call XXXX to inform him of my withdrawl. A statement show he went the SAME day XX/XX/XXXX & transferred {$130000.00} & {$96000.00} totaling {$230000.00}. 
There CAN NOT be FRAUD on an account with my name. One account holder can not be accused of fraud by the other account holder. I was NOT listed as fraud & therefore should have been no hold on the account. It makes no sense why XXXX was able to move money without my permission, but when I tried to move money as an EQUAL owner, the bank called XXXX. The money in the accounts were supposed to be my retirement. XXXX had no right to do what she did! My husband was there at the time as a witness. XXXX has since passed away last XXXX. 
On XX/XX/XXXX my husband & I had a meeting with the Branch Manager XXXX XXXX ( XXXX ) XXXX & explained the problem. He seemed very confused with no answers, but said he would get back right away. XX/XX/XXXX I left a voice mail & emailed & XX/XX/XXXX & again on XX/XX/XXXX with no response. ( also attached ) XXXX finally called me XX/XX/XXXX & said there were no records of the transaction & that XXXX didn't remember the transaction of me trying to get the cashiers check on XX/XX/XXXX or about the fraud situation. I told XXXX I didn't believe the bank wouldn't keep a record of a cashiers check for that amount of money. He said he was sorry & that was all he could do - nothing - especially NOT being able to provide me with a copy of the cashiers check. He transfer me to customer service which was no help at all. I asked for his manager- XXXX XXXX ( XXXX ) XXXX & left him a vm on XX/XX/XXXX & he never called back. I feel as if I was being avoided. 
This whole situation is poor customer service & I deserve to have my money back! It makes NO sense one person on a joint account can move money without my permission, however when I as a joint account holder try to move money US Bank said fraud on accounts. 
I believe XXXX had no business calling XXXX.
Product: Student loan

in XXXX my student loans with Nelnet were put in forbearance due to hardship. I was told by the representative that they would stay in forbearance for 1 year based on my income. Instead the representative put my loans in a 1 month deferment. I then moved and by the time I got settled into my new state and mail forwarded. I received notification that my loans were past due. Confused, I got through the same process! I still have the emails sent to the student loan provider in XXXX and XXXX showing I was on food stamps, XXXX and met the income qualifications to stay in a 1 year forbearance. Keep in mind these calls are supposedly recorded and documented so there should never be an issue. I provided the documentation on several occasions between XXXX showing that I could not financially afford to pay back my loans. I was told each time they would be in forbearance based on my income, proof of government assistance such as XXXX, XXXX XXXX, XXXX XXXX and household size. Yet these representatives instead of helping me kept putting my loans in 1 month deferments. It took returning to school and finally speaking with a helpful representative to put my loans in the income based repayment program in XXXX. My issue is this late payment history that was no fault of my own has been negatively effecting my credit report for years. I have disputed, called, and sent a XXXX letter. I am a XXXX  and Veteran and completely disappointed with how I was treated by this lender and the false information portrayed on my credit. Costing me thousands a year in predatory interest and directly effecting my ability to obtain new credit. keeping me in a position of hardship for years. The dates for these so called late payments do not even match on all 3 bureaus.
Product: Debt collection

On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XXXX XXXX XXXX XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to XXXX XXXX XXXX which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to XXXX XXXX. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Product: Checking or savings account

My application was denied. I asked for the reason why and the bank said they could not provide any information. I only received a boiler plate notice that said I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) the account ends in XXXX ( XXXX and XXXX ) 2 ) The account was closed XX/XX/XXXX ( XXXX ) 3 ) The account was 60 days past due in XX/XX/XXXX ( XXXX ) 4 ) There was a payment made in XX/XX/XXXX. 5 ) Account shows as " charged off '' ( XXXX ). 

Since XXXX I've been fighting to have this company accurately report to the credit bureaus. The account should have been CLOSED/ Included in bankruptcy Chapter XXXX as of XX/XX/XXXX. The account was NOT past due in XX/XX/XXXX if it was included in Chapter XXXX in XX/XX/XXXX. There were NO payments made in XX/XX/XXXX. 

I emailed the company on XXXX XXXX ( other disputes submitted as well ) asking them to correct the information. They in turn " closed " the account again on my credit report. The account still shows all of the inaccuracies but this is the third time this account has been listed as closed on my credit report. ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, XXXX XXXX Company Inquiry : US SM BUS ADMIN ODA
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Debt collection

This debt collector used unfair, abusive, and misleading tactics, all of which are against the FDCPA. They provided this account, on which neither I nor we could reach agreement. Two parties sign a formal contract, and I was not a party to any of the signings. Additionally, they didn't adhere to the correct five-step validation process, which makes their actions unfair. I am entitled to {$1000.00} under the Fair Debt Collection Practices Act ( FDCPA ), and it is obvious that my rights were violated.
Product: Checking or savings account

On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
Product: Debt collection

XXXX is attempting to collect a debt from me that I never establish a contract with this company nor do I owe any money to this company they are violating the FCRA and placed negative reporting on both my XXXX and XXXX reports for amounts of XXXX and XXXX. This debt is not collectable. These student loans were consolidated and I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} Please consider this a follow-up to my previous complaint to ensure the verification of the listed accounts.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

I left XXXX XXXX in XXXX and also stopped banking at XXXX XXXX XXXX XXXX in that same year. I owed roughly XXXX on a XXXX Credit Card and let that debt default. They charged off the debt and apparently sold the debt to Caine & Weiner XXXX in XXXX. Suddenly this year, it is now showing the debt was created in XXXX instead of XXXX or even XXXX? I am certain they can not change the dates of the debt to keep it on my credit report forever, and they are acting like they can not do anything to help me, even though it is XXXX XXXX XXXX XXXX XXXX that is reporting this to all of the credit agencies. It is not the collections agency that they keep referring me to and who has never sent me a thing on this new debt that was written off years ago? I am looking to get the dates back to where they should be, and I feel like they are playing dirty on this. I need your help. 

Thank you. 

XXXX XXXX