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

I opened an account with First Citizens Bank on XX/XX/XXXX under a promotional offer to receive a XXXX dollar bonus. I completed all required terms to earn the bonus but have not received said bonus. The terms of the promotion were to open a free checking bundle, enroll in e-statements, open an associated savings account, and utilize the debit card for 10 transactions. These 10 transactions were completed on XX/XX/XXXX, well within the 90 day time frame to complete the requirements.
Product: Student loan

On XX/XX/XXXX, I took out an {$8000.00} private signature loan through Sallie Mae and XXXX XXXX XXXX with my grandmother as a co-signer. It became the biggest mistake of my life. 

This spiraled out of control as I was being sent letters now from XXXX for years before Navient as I was eventually getting phone calls from XXXX in XX/XX/XXXX, who somehow gave it to Navient inherited that debt somewhere in XX/XX/XXXX. 

Navient bought my Sallie mae " private signature '' loan and consolidated it into a federal obligation. 

I have tried to have this taken off my credit - but XXXX  and XXXX  listen to whatever Navient says. 

-Not one " servicer '', or any of its agents, ever, offer any clarification of why my private loan was somewhere else or provided any education me on my rights as a borrower in any of our phone discussions before being handed-down fr om one servicer to the next. - compare and contrast my ever-changing responsibilities for repayment. Not one e-mail, not one recorded phone call. - Explained how and where to get help if you need it - Provided knowledge on how to protect my credit rating - Reviewed deferment options - Highlighted the seriousness of defaulting and what will happen if that occurs -Provided any sort of reasonable repayment options other than forbearance. 
Or showed possible loan forgiveness options Nothing. 

Navient is listed as an " educational loan '' with 34 charge-offs on my credit report, yet, it's a 16- year old private loan that got manufactured into this federal loan from Sallie-Mae/ XXXX XXXX XXXX , I have yet to see a signed a promissory note and was unaware of " exit counseling " until I recently. 

It has impacted my life emotionally and financially I never understood what was going on and was never aware of alternative options that would benefit me greater than what they had in mind. They have marked me down for 39 charge-offs? 

I have tried speaking with Navient, but they get rude, XXXX listened and investigated before removing the item ; I ask XXXX and XXXX to explore deeper. 

I want to be able to not have this on my credit anymore. I am paying for other people not doing their job and not doing the right thing.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent a letter to the credit bureaus as well as to the referenced companies requesting verification/validation of the account. The accounts do not belong to me and I wanted verification. As of today XX/XX/year> I have yet to receive verification that any of the following accounts belong to me. These are not my accounts
Product: Checking or savings account

Hello ... My daughter and I has a Joint Account with this particular Bank..and shes also A XXXX In The United States XXXX ... On XX/XX/2019.. I deposited my XXXX   check mobile ... like I always do every 2wks ... I made 5 Transactions afterwards ... Then I checked my balance like always ... ... So ... The next morning XX/XX/2019 ... My daughter texted me and asked whom was this lady that XXXX my account ... I asked her what lady ... I dont know anyone by that name ... and that someone had deposited a couple of thousands in my account also ... and took hundreds out of my account ... There were Thousands of dollars deposited in my daughters account as well ... Do I asked her what is going on..so she called the bank and they told her the checks will have to clear ... So she asked about my account ... but they wouldnt give her any information ... so I called to see what was going on ... They told me the checks will have to clear before they can investigate ... and it will take until XX/XX/2019 to clear ... So ... I asked them what am I supposed to for 2wks ... that was 80-90 percent of my check gone ... ... So for a whole week I kept calling to see what was going on ... They still couldnt give me any information ... So..My daughter and I got on a three way call ... To talk to the manager or someone in the Fraud Department ... Theyre asking us did we give anyone our information ... Which was  insulting our intelligence ... Apparently my daughters and my Identity was stolen in order for this to happen ... and that bank is telling me I cant get my money back and it wasnt fraud ... so that left my account in a negative ... I seen some reviews on this banks site and there were some similar or the same issues happening to other people ... Im reaching out to ever Bureau, the police department, News affiliate etc ... Because this isnt right at all ... Hoping that something will get done ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Cares Act, I requested my mortgage company XXXX XXXX  put my loan on forbearance. They granted this request from XXXX. I was told by at least 10 people from this company this would never show up on credit report. On XX/XX/2020 I opted out of forbearance and paid my balance in full. I was again told at this time that this would never affect my credit report and I could go back to making regular payments on XX/XX/2020. I am now getting notifications from credit bureaus that my loan is 120-180 days late which has completely XXXX  up my credit. Extremely disappointed in XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I dispute {$850.00} paid XXXX XXXX, Divergent Consumer Services LLC on XX/XX/XXXX {$350.00} and XX/XX/XXXX {$500.00}, incorrect information on my consumer report never corrected or deleted, refuse to pay refund using fraud scams fake help fake success to gain money.
Product: Money transfer, virtual currency, or money service

I requested an international wire transfer with my bank, Discover card, on the following dates, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. On XX/XX/XXXX, I found out I was scammed so I called Discover card that I was scammed with those amount. I asked the lady on the phone is there anything we can do to reverse or cancel the transaction. She apologized there is nothing that the bank can do since the money had been wired out. On XX/XX/XXXX, I found out from another bank that all bank does swift recall meaning the sender bank can reach out to the recipient bank and put a freeze on the amount that was transferred. So I called back to Discover card and requested a swift recall on those amount since it was a scam. I am upset because the swift recall could have been done a lot sooner and the lady on the phone was not genuinely concern that I had been scam. This delay the dates on the recall by 3 business days and this allow the recipient to withdrawn the money from the account. I am also upset that the lady was not aware of such recall exists and that the transaction can be freeze instead I was told there is nothing that the bank can do. The lady who helped me was not knowledgeable about the recall and she was clearly incompetent at her job especially such a large amount of money XXXX total was involved.
Product: Checking or savings account

citizens bank said they were going to deposit my bonus by XX/XX/23 but it did not show in my account nor was it pending and i am not the first they have not given the promised bonus
Product: Debt collection

The collection agency in question is Creditors Discount and Audit. XXXX. 
in XXXX, ILThey contacted me about a medical bill from XX/XX/XXXX. The amount was {$400.00}. I told them I ha no idea what that was for because I had insurance back then and being that it was a lot of money would tell me maybe some tests were run, etc and I had no tests done. I asked them to send me something showing me what the {$400.00} was for. .On XX/XX/XXXX I spoke with a XXXX there. She said she would send me copies showing what this was for. On XXXX/XXXX/XXXX I had still not received anything si I called and spoke with a XXXX there and he faxed me what he had. What he sent me was a statement showing all of the payment that I had made over the years to this doctor. I called back on XXXX but this time I spoke with a XXXX. I explained that what they sent me does not say what I was seen for on that day. I need to see the detail not a statement. She told me that is all she had and that I should call the doctor. I called XXXX who is the doctor 's bookkeeper. I left her a message on XX/XX/XXXX that I need some detail. Never heard anything. Called again and spoke with XXXX and she could not provide any detail that I needed to call the collection agency. So the collection agency is telling me to call the doctor and the doctor is telling me to call the collection agency.I had talked toi the supervisor at the collection agency but I ca n't remember what her nae was. She basically told that that 's all they had and that it 's too bad that we do n't have any more detail but I still needed to pay the bill. I said put yourself in my shoes would you pay {$400.00} for something that first of all is incorrect and second nobody has told you what it was for. She was rude and just had a tuff luck attitude. She said she was going to report it to the credit reporting agancies and I told her that I know my rights and you can not do this. Since then it is now on my credit and they assigned to an attorney!. This is not right! How can this happen? That bill might not even be mine ... what if they billed the wrong patient? Now its ' affecting my credit and that needs to be removed. I am also disputing this with all XXXX credit agencies. Please do something. A lot of people do n't realize that they can stand up to these people and they end up paying something because they are threatened that its going to an attorney and going on their credit report. The doctors name is XXXX XXXX in XXXX il.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Product: Credit reporting

I HATE Equifax!! I file for my free credit reports every year for the last 10 years. 
AnnualCreditReport.com is a great one stop place to pull all XXXX and I view, print, and dispute seamlessly with XXXX and XXXX. Equifax always locks me from my report as soon as I answer the identification questions. I answered correctly, I know I did, because I answered the questions from the other XXXX bureaus without issue. So I logon to Equifax.com with my username & password, click Reports, the Credit Report ... blank screen. Call Equifax and they tell me I have to call AnnualCreditReport, ACR tells me to call Equifax. Equifax offers to mail me a copy of my credit report in 10 days and then I can fill out forms to file a dispute - BUT I can do all that online if I pay for a subscription. They know people do n't have time to keep cleaning up their credit & know people will pay for the service so they can clean up their credit in one swing. This " bureau '' is a joke, its a private company controlling the credit of every American citizen without repercussion. If these private business are federally regulated, then I encourage someone from the federal government to monitor Equifax. Try obtaining your report and then calling in when your blocked from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiple disputes with the credit bureaus. It take them well over 30days to comply in fact when i did receive a response they never removed or made any adjustments to my concerns with the inaccurate info on my credit report.. I have been disputing with them for a period of time now and they fail to comply..
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I obtained a copy of all 3 of my credit reports and showed NUMEROUS unauthorized inquiries via transunion, XXXX, and XXXX. I contacted all three of the credit bureaus starting with XXXX. XXXX had me get letters that I had to get sent into them and as a result of that they removed XXXX inquiries that were not allowed in my credit. I contacted TransUnion this morning XX/XX/XXXX and was told that I would have to get those letters again even though I 've already explained to them a XXXX has already sent me proof that they 've been deleted and be that XXXX has those original letters. TransUnion does not seem to want to comply and follow suit with the other creditors so I 'm left with no other opportunity but to file a formal complaint at this time. The creditors in question for TransUnion or XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX through XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX through XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX for XXXX on XX/XX/XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX my social security number is XXXX my name is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX Texas XXXX in my date of birth is XX/XX/XXXX
Product: Money transfers

I had transferred money thru paypal to purchase an item for {$200.00}. The seller never sent the item, it 's almost been a month and item never received
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a victim of transunions inquiry issue i have 92 hard inquiries on my report the only items that are mine are for XXXX XXXX  and XXXX XXXX XXXX XXXX which is who i have my vehicle with
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a payment of {$2100.00} on XX/XX/XXXX and spoke to representative XXXX. She waived {$100.00} in late fees which brings my balance to {$0.00}. 
Today XX/XX/XXXX it is showing on my credit reports that I owe {$100.00} and that there is also a late payment for XXXX. 
I called and requested for them to update reporting/account and they advised I would have to send in a dispute which can take up to 60-90 days. 
I escalated to a supervisor who was the least bit of helpful and lacked empathy for her companies mistakes. I do not feel as a consumer I should jump hurdles to resolve an issue that this company did themselves.
Product: Consumer Loan

I called Navy Federal Credit Union on XXXX XXXX, 2016 and confirmed with their Collections Department that my auto was not in repossession status. I paid {$650.00} on XXXX XXXX, 2016. The balance currently due is {$330.00} ( partial XXXX and XXXX payments ). My vehicle was towed from my home on Monday, XXXX XXXX, 2016 by XXXX XXXX. I contacted Navy Federal Credit Union 's collection department and was transferred to NFCU 's " Repossession '' Department. I spoke to XXXX XXXX who informed me my vehicle would not be returned unless I paid a {$370.00} repossession fee directly to XXXX XXXX ( a towing company ) plus {$330.00} in loan payments to NFCU. My mother, XXXX XXXX, visited NFCU 's headquarters office in XXXX, VA on Monday evening and Tuesday morning and spoke to a Member Services Representative, XXXX XXXX. My mother has a XXXX XXXX XXXX Attorney, that XXXX XXXX, CC Resolution Specialist/XXXX Contact Center refused to accept as sufficient on Monday evening. As of Yesterday, Tuesday, XXXX XXXX, 2016, my balance with XXXX XXXX has increased by {$25.00} per day until full payment to both parties. I intend to pay the total balances due on Friday, XXXX XXXX, 2016 which is the best I can do since I have been without full time employment for a while. I started a new job on Monday, XXXX XXXX, 2016 that will enable me to pay my loan on a timely basis from now on. XXXX XXXX XXXX, Manager (? ) of XXXX XXXX informed me yesterday that my car can be auctioned at any time until the full balance is paid. XXXX XXXX, NFCU Member Service Representative, confirmed yesterday that I have 10 days to pay the full balance to both XXXX and NFCU to obtain my car without it going to auction. 
Since the {$650.00} payment would have taken my car out of repossession status on XXXX XXXX, 2016 if it had been in that status, I would like Navy Federal Credit Union to authorize XXXX to return my car back to my home address where it was taken illegally and waive the {$500.00} payment that will be required when I am able to render it on Friday, XXXX XXXX, 2016. XXXX and XXXX XXXX, NFU Repossession Department, seem determined to make me pay {$370.00} ( repossession fee ) plus a daily storage fee until payment is made to XXXX. This is a very unscrupulous business practice since my car was not in repossession status when towed on Monday, XXXX XXXX, 2016. NFCU staff first stutter, then inform me that " you should have told someone you made the payment. '' Payment was made at the XXXX branch of NFCU. This was also the response I received from " XXXX '', Branch Manager, XXXX. All parties acknowledged that the payment can be see in their " system. ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following accounts : XXXX  Account number : XXXX Balance : {$0.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX Account number : XXXX Balance : {$220.00} XXXX XXXX Account number : XXXX Balance : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In fact, the law provides me with protection as a consumer to prevent inaccurate information from being simply reported on my credit report. Before I speak with my own legal counsel, I would like to have one last request for analysis so that I can learn how to manage inaccurate and unverifiable materials that are now being accepted as real. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> to remove all dispute remarks and comments from my credit and still hasn't been removed. Also, Equifax has dropped my credit by XXXX points as well. This causing me to unable to refinance my home. 

I've been given a confirmation # XXXX from them and the individual didn't remove the remarks. I received another confirmation # XXXX for removal and still hasn't been done. 

I've had no new late payments on account and they dropped my score. 

My other complaint is with XXXX. They haven't raised my score in months. No delinquencies
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.