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

In XX/XX/2022, I opened my US bank checking account with the bonus offer code XXXX, and met all the offer requirements in order to receive the {$500.00} bonus with a couple of month. However, no bonus was posted to date. I contacted US bank in XXXX and they opened an investigation for me. Today, I received a letter dated XX/XX/XXXX from US bank customer care specialist denying my offer, with the reason being I opened this account thru an alliance website. This was not disclosed during the account opening process and the promo code XXXX was accepted without any issues. There were no terms in the bonus offer that specifies that the bonus offer can not be applied for accounts opened thru an alliance website. 

Therefore, I request US bank to honor the bonus offer and credit the bonus immediately.
Product: Mortgage

My Mortgage servicer ( SLS ) would not accept electronic payments from my bank scheduled on XXXX/XXXX/2016 for receipt on XXXX/XXXX/2016 or XXXX/XXXX/2016 ( the last 2 days of the grace period for my mortgage loan ). This was noted by both my XXXX XXXX and XXXX XXXX XXXX checking accounts - when the respective Bank 's bill pay centers stated " SLS would not allow payments until XXXX/XXXX/2016 or later ''. All my other electronic payments to XXXX XXXX, XXXX, etc. were accepted as scheduled by the vendors for the day after the payment was submitted ( as submitted before XXXX ) - or XXXX/XXXX/2016 for payments I submitted today ( XXXX/XXXX/2016 ). SLS will accept payments made through XXXX XXXX or their own website - XXXX for a fee - but are now restricting customers from using their bank bill pay services at or around mortgage payment cutoff. This is wrong - in that they should accept all forms of electronic payments on equal terms.
Product: Debt collection

SHELLPOINT is breaking the Fair Debt Collection Practices Act. CFPB rules prohibits debt collectors from bringing or threatening to bring a legal action to collect a time-barred debt. In addition, both CFPB and FTC consent orders require major debt buyers to provide disclose that a debt is time-barred which SHELLPOINT never has done. SHELLPOINT is using deceptive practices and breaking the law for the following reasons.

1. Threatened to Foreclose on time bared debt and debt not proven to be correct. FPB rules prohibits debt collectors from bringing or threatening to bring a legal action to collect a time-barred debt, to be codified at 12 C.F.R. 1006.26 ( b ). The provision prohibits a collector from initiating or threating to bring a time-barred collection action. A violation of this prohibition is a violation of the FDCPA, and successful litigants can recover actual and statutory damages and attorney fees. 
2. Threatened to strike a credit report on time barre debt.

3. Threatened to make me pay for an appraisal of property.

Anything mailed after this date will be returned by the post office for the first two weeks. After the two weeks from today, anything mailed to the address you have on file, will not be opened and tossed in the garbage. 
FINAL NOTICE TO CEASE THE HARRASSMENT AND THREATS!
Product: Debt collection

On XX/XX/XXXX in the amount {$200.00}, I made a final settlement payment on a charge off XXXX XXXXXXXX account acct # XXXX to Radius Global Solutions LLC. Since that time XXXX XXXX has continued to report me negatively to all 3 credit bureaus resulting in a fico  score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the Radius Global & XXXX XXXX receipt to the 3 bureaus to update the correct balance owed or marking as settled i was updated with 2 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Transunion requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 


XXXX XXXX XXXX Date Opened XX/XX/2023 Balance {$320.00}
Product: Vehicle loan or lease

I had an auto loan through USAA and I sold the car to XXXX at the beginning of XXXX. XXXX sent a check to USAA to pay off the loan on XXXX XXXX, 2022. There was an extended warranty and service plan that was canceled at the time that I sold the vehicle so two more checks were sent to USAA for the balance of those plans. I called USAA XX/XX/2022 and told them 2 more checks were coming, 1 for {$380.00} and another for {$730.00}. The member services representative told me they would transfer the overpayment to my account when they received it. I called again on XX/XX/2022 to check on the status, and they said they sent the checks back to XXXX. When I called XXXX on XXXX/XXXX/2022, they showed that USAA had actually cashed the checks on XXXX/XXXX/2022. I called USAA back the same day, and they said they would research where the money was and deposit it in my account or call me back. I never heard from them. I called back on XXXX/XXXX/2022, and they said another department had cashed the checks but when I asked to speak with that department, I was told I could not speak with them. However, they advised that they had sent new checks back to XXXX. I asked to be provided copies of the checks so I could go back to XXXX to get my money. They said they would get me copy with in a couple days but again I never heard from them. I called again on XXXX/XXXX/2022, and was on hold for over 45 minutes and ultimately transferred two time ( each time having to re-tell my story ) and they said the insurance department cashed the checks and sent new ones back and there wasn't anything I could do. I asked for copies of the checks again and they said they didn't have copies. What kind of bank doesn't have copies of their checks? They told me again they would escalate the complaint and call me back. They have lied repeatedly and refused to give me my money or prove they don't have it. I asked to speak to a supervisor or someone in the " insurance department '' but was again told there was no one else I could speak to. It has been months they have held {$1100.00} and failed to help me or even call me back. I called XXXX today, XXXX/XXXX/2022, and they said they received one of the checks today which means USAA did not send it back when they originally said they had and only did it after lying to me the last time I spoke to them. The second check still has not been received by XXXX.
Product: Debt collection

I received a letter in the mail regarding a fraudulent account for Great Lakes with an outstanding amount of {$8000.00}. I have no knowledge of this account. Please investigate and delete immediately.
Product: Debt collection

I got a notification that in XXXX of 2020 that a collection account was going on my report. I have credit monitoring and was surprized by this. I have good credit and this made my credit go down. This account does not belong to me. The account in question is from XXXX XXXX XXXX Acct # XXXX. This account also appeared in my XXXX  under a different name which I will supply documentation. The other person claiming this account is XXXX XXXX. I know there has to be a mistake because these accounts do not belong to me. I am writing you because my next action will be legal action if not removed from my report. This has cause me undue hardship with my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a Business loan long story short I was denied. I don't understand why I wasn't because I typically get approved for everything I apply for. So I checked my credit report to see what my score was. After doing so I notice some items on my credit report are not mine. I need these items deleted from my credit report. 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. lnquiries : 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

I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.
Product: Credit card or prepaid card

I acquired a pre-paid secured credit card with a deposit of {$400.00} with bank of America in 2008. Currently this card is paid off with XXXX balance and this account has been closed for 7 years, but they keep reporting it to the credit bureaus. I want this account to be removed from my credit report. I believe that Bank of America is not suppose to provide information to credit bureaus for pre-paid credit cards and Washington State statute of limitations also restricts the time period to six years, if any. 

I would appreciate any help or advice on how to stop Bank of America from reporting this account to credit bureaus.
Product: Debt collection

In XX/XX/XXXX, while trying to set up a utility bill I was informed of fraud security was in place due to a fraud alert and data breach. Ive been examining my credit reports prior to filing an identity theft affidavit to police and on XX/XX/XXXX I called LVN funding to request proof of debt. I explained my issue and said I was in the process of filing with police. They instructed me not to do that and then informed me I have a judgment filed with XXXX, XXXX and XXXX. After calling the law firm I was extremely confused to be told they served my mother by constable and she signed. I looked up my name on R.I.gov  and u saw the date passed already and they were awarded a default judgment. XXXX, XXXX and XXXX told me they served my mother and she signed. but thats true because my mother works during the day and would have informed if she was served on my behalf. She confirmed she was not ever served, never signed and most likely wouldnt have opened the door if they did come. She would testify to that. I called XXXX back today and explained to them they didnt serve my mother and this debt is not valid. They told me its my responsibility and to figure it out. I am judgement proof a thus time and supporting my XXXX daughters alone. Im w victim of XXXX and lived in a XXXX XXXX shelter when they claim I was served at my address. For the last 48 hours Ive been educating myself on R.I. Debt collection laws, Fair debt collection practices, consumer rights and statue of limitations and LVN Funding LLC. Ive learned is this company is notorious for obtaining unlawful judgments by using methods that violate the FDCPA, FCRA protection laws. Theyve used false and deceptive means by failing to register with the state of R.I. as a debt collector. Theyre filing unfair and unconscious-able claims in Rhode Island that are time barred by Virginias limitations. They never responded to dispute by providing proof and they filed an illegal lawsuit against me knowing judgement would be defaulted. According to R.I. island debt collection law the defendant must be served in person without exception and that didnt happen. Im filing complaints against LVN Funding c/o Resurgent Capital Services to the RI AG Consumer Financial Protection Bureau, Federal Trade commission and XXXX. Id like to include XXXX XXXX for an additional collection for XXXX XXXX, but they have no yet filed a lawsuit. I want to file a counter suit against LVN funding and a file a suit against XXXX, XXXX and XXXX for violation of R.I. Debt collection Laws by not properly serving me legal court documents and using false documents to default judgment against me when I am legally judgment proof
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized inquiries listed on my credit report. I noticed several inquiries that I did not authorize or recognize. The unauthorized inquiries are as follows : XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. According to Cushman v Transunion 1997, the credit bureau is supposed to ensure maximum possible accuracy, the account violates these laws Delete the follow inquiries 15 U.S code 1681i 15U.S code 1681s-2 15 U.S code 1681I ( 5 ) 15 U.S. Code 1681b 15 U.S. Code 1681 15 U.S. Code 1681b 15 U.S. Code 1681n 15 U.S. Code 1681e
Product: Debt collection

I took out a loan with XXXX XXXX somewhere between XX/XX/XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/18 and contacted XXXX XXXX on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from XXXX XXXX until I blocked their number on XX/XX/XXXX.They have now reported me to a collection agency called Recovery Services/Astra Recovery and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and XXXX XXXX was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX  the phone number and in the comments section it states that this is a debt collector for XXXX XXXX.He asked me to verify my information and I responded I will not.
Product: Debt collection

Debt was disputed by consumer for validation 3 months ago due to no knowledge of debt, no information was ever sent or received to validate ownership of debt. Initially due to inability to validate debt it was deleted. Debt collector reinserted debt in credit profile, not providing certified mail within 5 days of reinsertion in accordance with section 611. Up to this day debt collector still did not validate accuracy of debt and did not delete. 

Debt Collector : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX  XXXX XXXX   XXXX, FL XXXX XXXX On behalf of company by the name of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX failed to provide me with statements, XXXX XXXX replacement and also updated the address from XXXX to XXXX. 

My XXXX XXXX eas canceled alone with check and other identifying documents. 

The company constantly reported me late and took advantage of the adverse situation. 

Rather to rectify the issue they keep sending generic letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went and pulled my credit and there are some items that are not mine. XXXX XXXX XXXX  XXXX FEDLOAN XXXX XXXX FEDLOAN XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and have reached out to the FTC and to my local police department.
Product: Credit reporting, credit repair services, or other personal consumer reports

TBOM RETAIL or Genesis Credit/Jared is reporting this account TWICE on my XXXX credit report. The account appears twice, and is duplicated in reporting. Please remove the duplicated reporting on my XXXX report. 

I have tried to get this corrected with TBOM Retail, however they referred me to XXXX XXXX to have this resolved. 

I've attached how the account is reporting on my credit reporting ( showing duplicated on XXXX ) I have attached the communication with TBOB Retail / Bank of Missouri
Product: Student loan

On XX/XX/2024, the Department of Education announced an extension on the deadline to recertify any IDR loans to earliest XX/XX/2024. My original deadline to recertify was in XXXX, so my deadline should have been pushed. See link to the announcement here : https : //studentaid.govXXXX On XX/XX/2024 ( screenshot below ), after waiting for Mohela to update to reflect this new information and seeing they had not updated anything, I sent them a message asking when it would be updated. They responded saying they were " working on updating accounts. '' On XX/XX/2024, I learned that Mohela had kicked me off my IDR plan ( the SAVE plan ) and put me on " SAVE-ALT '', which is just a standard repayment plan, because they failed to update my account to reflect the new guidance. They tried to get me to recertify earlier than allowed, and now they are trying to get me to pay a higher monthly amount even though borrowers are not required to certify until earliest XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2012 regarding complaint XXXX. United auto Credit provided me with a post sale notice that they sent me. However I asked them for several items that as a consumer they must've provided me at the time and show proof that they sent me which was the PRE-SALE NOTICE. That is the notice for the State of Tennessee showing that they gave me the 10 day letter to come up with the money and that the lender can not sale the car until after the redemption period. Also the ORIGINAL CONTRACT was not sent which I requested as well as full account history showing all my payments that were made at that time. Not providing information to me will be grounds for a lawsuit. I am requesting that this be removed off my credit report if these items can not be provided to me within the timeframe CFPB is allowing for these documents to be produced. I have again attached the request.
Product: Debt collection

On XX/XX/XXXX. 2023 I noticed as I was looking over my credit I noticed there was an auto loan that I was unaware about. Overtime I've received calls and emails from capital one about this but I never really sat down and paid it any attention until now because it started to affect my credit. I thought that the calls and emails were reminders for my own personal credit card I have through them not an auto finance loan through capital one. Now that I'm looking more into it I believe there has been an identity fraud theft because I've been receiving notices about car tickets in my name under this cars information. I am taking the proper precautions to get this taken care of because this is an unfortunate circumstance and is affecting my credit and causing me debt.