23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX, XXXX I file formal dispute Portfolio Recovery Associates , LLC. And requested all documents that validates their claim. All I received was a form letter with redundant information. Then after several attempts to get them to comply with 15 USC 1692g Sec 809 ( b ) of the FDCPA. on XXXX XXXX, XXXX I made a formal request for Portfolio Recovery Associates , LLC. provide me with the legal competent evidence that I have a legal obligation to pay. Again I received the same form letter and documents back that they had sent before. On XXXX XXXX, XXXX I received a letter stating that they would not respond to my request. 

To resolve the problem, I would appreciate your demanding them to comply with the law and provide me with the information and action that I requested. Enclosed are copies [ copies, not originals ] of my records, and letters.
Product: Checking or savings account

on XXXX I paid {$11000.00} payment to my bank of America credit card with a XXXX XXXX cashiers check brining my bank of America credit card available balance to XXXX on XXXX I requested a balance transfer in the amount of {$17000.00} to my bank of America account from my bank of America credit card. On XXXX the funds of {$17000.00} showed available in my account. I visited the bank of America banking center at XXXX XXXX XXXX, XXXX TX XXXX. I was told by the manager and assistant manager that I could not get a cashiers check made payable to myself for these funds because they have not posted to the account but showed available for me to use. I explained that these funds can be verified coming from my bank of America credit card they then said this is policy but did not present evidence of this written policy. Next I asked for cash then they said this amount of cash would have to be ordered. I don't understand why a bank that holds cash would not have cash on hand. Again the manager nor the assistant manager could show me where this policy is written that I need to place a cash order of XXXX to be able to take out cash.
Product: Credit card

I have frequently received letters from a company, now located in XXXX, CA, called Portfolio Recovery Associates , LLC, for a credit card someone had issued from XXXX. I have filed an alert with the credit bureaus because my social security number was stolen XX/XX/XXXX ( I replaced my social security card in XX/XX/XXXX ). At that time, XXXX closed the account it had issued and I became a customer of the XXXX XXXX XX/XX/XXXX. My card was then bought by XXXX XXXX bank and I still use it today. However, I continue to receive letters from Portfolio asking me to pay off the card previously cancelled and closed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get a credit report for the last few years from Transunion and I get the same run around every time. 
Annualcreditreport.transunion.com tells me " We are unable to complete your request online '' OR " We are experiencing technical difficulties '' and then they proceed to tell me to call their number. 
So I go directly to Transunion website and sign up for an account with all my credentials after entering the site there is no info at all about my credit history on their site. So I try calling their number to request credit reports, they ask for my name, Say your name then spell your name so I do clearly, " My name is XXXX XXXX, XXXX XXXX '' Letters show up at my house with inaccurate names on the letter. Addressed me as XXXX XXXX and XXXX XXXX. 
So I call their offices and explain the problem, they tell me they will investigate the problem and someone will call in the next few days with an answer, No one ever called me nor emailed me. 
So I go back to Transunion website, when I go to login to the site it now tells me " Invalid Credentials : Please Try Again ''. How are they invalid? I just signed up and wrote down my information. 
So I try the " Forgot your Login Information '' and the site just blinks and wipes out the information I just typed in. 
I get this every time I try to get a credit report from Transunion. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Against my knowledge or consent, a personal loan for {$4000.00} was made by the on-line Discover Bank on XX/XX/XXXX. I had no knowledge of the loan on my credit report until I tried financing something else on XX/XX/XXXX. In an effort to save my credit, I immediately paid the loan off even though they had written off the loan. 
I have been in dispute with Discover Bank ever since. I believe the loan was taken out in my name by XXXX XXXX who XXXX a XXXX XXXX He had access to all of my personal information. 
I have asked the lending company for proof that it was me that took out the loan. Specifically, signature, copy of ID, thumb print or anything else they used to approve the loan other than an on-line application.. To this date, they have furnished me with no copies of proof. I have spoken to them many times and they admitted it was not me as the XXXX XXXX XXXX XXXX tried to take over the loan. However, they will not officially release me from the responsibility of the loan because they know they have wrong information on my credit report and that the may have to reimburse me the XXXX. I have filed complaints with the credit services and the last one was done by XXXX XXXX. I specifically asked them to not just take the word of the financial institution and ask for any form of identification that it was me that took out the loan other than information provided on an on-line application. XXXX did not do that. They stated that the loan company certified it was me that took out the loan but again provided no copies of my identification. I am retired, own my own home outright and have nearly the max amount of money in my checking account alone that the government would insure. I have never taken out any type of personal loan in my life. I have hundreds of thousands of dollars available to me and would have no need to take out a personal loan. This is is case of on-line identity theft and neither the bank or credit bureau seems to be able to understand that. All I have asked for is a form of physical proof that it was me that took out the loan. Signature or copy of government issued ID would be the most logical. They cant do it and the negative event is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my rights.

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Citibank has not provided new checking account promotional bonus as promised. 

I have been a Citibank customer for 19 years and have been very satisfied with all products, services and customer response levels. The current issue is with the Citibank response to the CITIGOLD CHECKING PROMOTION XXXX XXXX XXXX BONUS - earned but never received. Fees for this account are {$30.00} per month. 

In XXXX XXXX Citibank was offering a promotion for opening a new CITIGOLD checking account. On XXXX/XXXX/XXXX I requested a confirmation via Secure Message that I was eligible for PROMOTION - CODE # XXXX - XXXX MILES. ( Message Reference XXXX ). Citibank responded on XXXX/XXXX/XXXX and confirmed that I was eligible for XXXX XXXX XXXX promotion and provided the requirements for earning the XXXX XXXX XXXX miles promotion. ( Message Reference XXXX XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I opened the account and made an initial deposit. I then met all requirements completely as Citibank requested in their Secure Message Response of XXXX/XXXX/XXXX Ref. XXXX for earning the promotion. On XXXX/XXXX/XXXX I requested confirmation that I had met all requirements for earning the promotion XXXX XXXX miles and requested the timing of receiving the promotional miles. ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded, stating that I had met all requirements in XXXX XXXX and that XXXX miles would post to my XXXX account by XXXX/XXXX/XXXX ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX via SECURE CHAT, I requested an update since I had not received the promotional miles in my XXXX account. I was told an INVESTIGATION would be submitted ( Reference XXXX XXXX ). On XXXX/XXXX/XXXX via Secure Message I requested another status update ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded that my investigation was being reviewed and that a request would be submitted for it to be expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and stated that my next step would be to file CFPB complaint if Citibank did not resolve this issue. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that the INVESTIGATION was still pending and had been expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and requested that a manager from the executive department call me. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that INVESTIGATION was still in processing. The issue is not resolved. On XXXX/XXXX/XXXX I submitted this CFPB complaint.
Product: Credit card

In XXXX of XXXX my mom and I received notification that a verification form from Discover had to be completed or my account would be closed. My mom and I got the form completed and notarized and my mom sent her bank statements. We then got a letter in XXXX stating the verification form was not completed correctly and we had to redo it. I came home from school and my mom and I get the verification form completed for a second time and she resent it with the bank statements on XX/XX/XXXX. We heard nothing from Discover but on this week I went to check something on the card and saw that there was XXXX available so when I asked in a chat I was told that the account was closed because they did not receive the requested information but my mom did send over the paperwork. Now my account is closed and it's going to hurt my credit. I have other friends who have the same card and they didn't have to go through this process so why was I selected to do this? My mom pays the bills and there has never been any missed payments. I do not want the card anymore however I do not want my credit negatively affected by it either because their uploading process is inefficient and horrible.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

Hi I filed a complaint about this company a few weeks ago but forgot to mention that the company admitted to no disclosing important information about having the option to make a principal only payment. For the past three years I have been making regular payments to Santander Consumer USA for an auto loan, but did n't realize this simple interest loan takes the money from my car payment and applies it to interest first then the remaining to the actual balance. I was told that this is what I signed, but when the dealership sold me the car they said it was a regular loan. Someone was n't being honest and I got sucked in. Now, my car is only work XXXX but I owe twice that much. I requested that the auto loan company send me an original cooy of the contract, but they have n't yet. They also admitted and I saved the transcript of the conversation that in the contract they fail to let consumers know they can make XXXX payments per month. XXXX is for interest and the other is for principal. Had I known this I could have paid down this loan much faster. I would like them to adjust my balance.
Product: Credit reporting or other personal consumer reports

Incorrect information on my credit report regarding a XXXX XXXX account. I have a right to privacy due to the fair credit reporting act. This incorrect information with this fraudalent account is greatly affecting my credit report. I need this account removed off of my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Late Payment Inaccuracy XXXX XXXX  Account Dear CFPB, I am writing to formally dispute inaccurate information reported on my credit report regarding late payments for my XXXX XXXX  account. The account details are as follows : Account Number : XXXX Account Type : Installment ( Auto Loan ) Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$6800.00} High Credit : {$7900.00} Last Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year Payment History Discrepancy : Experian reports XXXX late payments for XX/XX/XXXX and XX/XX/XXXX, both of which are inaccurate. 
Despite my initial requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Experian has failed to act, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Evidence of Errors and Violations FCRA Violations : Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information in consumer files. The reporting of late payments without evidence is a clear violation.

According to 15 U.S.C. 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. There is no record or evidence of such notification from XXXX XXXX. 
TILA Violations : The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) emphasizes accurate and timely disclosures. The late payment inaccuracies harm my creditworthiness. 
XXXX XXXX XXXX of Obligations XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to avoid unfair penalties to consumers, which has not been upheld. 
Desired XXXX XXXX removal of the inaccurate late payment notations from my Experian credit report. 
Written confirmation of these corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant agencies and pursuing legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am reaching out to notify you that my credit file includes a collection entry attributed to your agency. Surprisingly, I have not received any prior notifications regarding this collection. Moreover, I firmly contest the accuracy of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am within my rights to request and receive validation of the debt. Consequently, I kindly request that you furnish the necessary validation and take appropriate measures to address and resolve this issue.
Product: Debt collection

Do not know where this information is coming from I have no debts with Florida for no traffic violations. Sorry this is a scam to get money. 

XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX dollar debt on my personal credit report that belongs to my ex husband. I was never a joint owner of the account I was only an authorized user without my consent and I never had the credit card in my possession. The law says a bad authorized user can not remain on my account if disputed. Ive contacted both XXXX XXXX XXXX XXXX and Equifax to remove the debt and even after disputing it it remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX is stating I have an open account for XXXX and I have not applied or inquired about them at all. I have been paying my loans on time and use my current credit card with XXXX, ( which has been working great ). I saw a huge fall on my score and went to identify any issues regarding my current account. Shows I have a new XXXX XXXX balance and I have no idea where it came from. I have locked my credit inquires and paying monthly for identify protection through Experian. I am calling XXXX as soon as they open their customer service.
Product: Vehicle loan or lease

XXXX of 2019, I had purchased a car for XXXX. I put down XXXX dollars. The credit company was Credit Acceptance, my bill was a total of {$18000.00}. How is that possible when i put down {$8000.00} dollars? The loan interest rates where incredible. I feel something is wrong. The difference was only approximately, XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I contacted Tidewater in response to a billing statement dated XX/XX/XXXX. The statement indicates a past due payment of XXXX, and a payment of XXXX due XX/XX/XXXX. The total due is XXXX I contacted Tidewater in XXXX to process a payment deferral. The deferral was approved bringing the account current after I was required to pay XXXX in interest to obtain the deferral. I was advised my next payment would be dueXX/XX/XXXX for XXXX and the account is current. Tidewater now claims that there were 2 returned payments on my account from XX/XX/XXXX and XX/XX/XXXX. As a result NSF fees of XXXX each were added to my bill as well as two XXXX payment convenience fees. My bank records do not reflect payments returned. Further, my XX/XX/XXXXand XXXX bills make no mention of these returned payments. 

Tidewater violated the FDCPA by adding these alleged NSFs to my bill AFTER I agreed to a deferrment and paid XXXX in interest. Tidewaters business practices clearly are intended to take advantage of a consumer who is simply trying to work with them and bring the account current. Further in recorded calls, their agents can be heard advising me that the billing statements are wrong and the account is current. They only changed their position on this matter after I pressured the associate and questioned the legitimacy of their statements. 
Tidewater has demonstrated they intend to " bait and switch '' theit customers in instances like this while charging fees to make further profit off of consumers who have fallen on hard times.
Product: Vehicle loan or lease

I currently have a car loan showing up on my credit report with Lendmark Financial because the company combined my car loan with a personal loan without my knowledge. They said that they were helping me lower my monthly payments, but they never explained they were turning the full balance into a used vehicle loan. When the company combined the loan I only had about {$1500.00} left to pay off the vehicle. They made the new balance for the used vehicle loan {$6700.00}. I didn't figure this out until XXXX when I attempted to purchase a vehicle. The company stated that it was used as collateral for the loan, but that didn't make sense because the vehicle wasn't worth that much. The company also stated that the manager that did this no longer works for the company. I no longer have the vehicle and at this point the balance of the loan is {$4200.00}. Which means I covered the cost of the vehicle loan. I will attach the accident report showing that I no longer have this vehicle. The vehicle I am referring to is a XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX