23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a CitiGold Checking Account in XXXX XXXX with a promotional code offering XXXX miles when meeting listed requirements. I confirmed via email with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XX/XX/XXXX, as confirmed via email with a Citi representative, and was advised miles would post by XXXX/XXXX/XXXX. I also provided my XXXX account number to Citi via email so they would be able to credit the miles and received notification back specific to this promotion that the account number had been added. When the miles had not posted a few days after the XXXX XXXX statement, now more than 90 days from meeting requirements, I submitted an inquiry and was given the response that although I had been advised that I had the promotion on the account, that I was not eligible for the promotion. What 's most odd is that someone made this determination and decided that I was not eligible prior to the XXXX/XXXX/XXXX posting date, but chose not to tell me and instead allowed me to continue to incur monthly fees which are charged on the XXXX of each month. I have paid at least {$60.00} in total monthly service fees to Citibank since they made this determination and have appealed their response multiple times. Although the customer service reps have acknowledged the prior confirmations that I had the promotion and met the terms, they 've told me that they can not assist. They did agree to open an investigation on XXXX/XXXX/XXXX and gave me an expected turnaround goal of 7 business days, but it has now been 18 business days ( 28 total ) and I still have not heard back. They have again charged a monthly service fee to me on XXXX/XXXX/XXXX, which seems to be their end game with this promotion.
Product: Debt collection

I recieved a written notice from Credit Protection Association L.P. dated for XX/XX/XXXX. It stated i had 30 days to " pay your service balance or call to set up a payment plan ''. It also states " PAYMENT OPTIONS TO AVOID CREDIT BUREAU REPORTING ''. I contacted them on XX/XX/XXXX, made a payment of {$77.00} and set up payments for the remaining balance. My account is still current with them, yet my credit was notified and the account is now on my credit. I contacted CPA and they informed me to call XXXX XXXX XXXX the initial company i am debted to. I did so and XXXX informed me that CPA would have to correct the error and that they don't know why CPA sent out the notice and reported to my credit before the 30 days stated. A representative named XXXX informed me that it was reported to the credit bureau in XX/XX/XXXX and she confirmedmy payment recieved XX/XX/XXXX. When i asked why i recieved a statement from their company to resolve this before those measures were taken neither the representative nor her supervisor ( XXXX XXXX ) had an answer. CPA was unwilling to resolve this matter and blamed XXXX for the issue, yet on my credit it shows it was reported by CPA. I have the original statement from the company. A confirmation number of payment made to them onXX/XX/XXXX, receipt of my payment from my bank account, and that it occurred all within the 30 days from date of the notice recieved.
Product: Debt collection

I leased a car in 2016 and paid for 3 years through XXXX  and XXXX  partner company xchange leasing. All the payments for the lease were made automatically through my XXXX earnings. I leased the veichle for 3 years and made every single payment. A company called XXXX XXXX XXXX XXXX XXXX and Receivables Development Management LLC is claiming there is a balance owed from that lease, this is a false statement and incorrect. The company claimed that I canceled my lease early and there are fees but that is also false. I attached a screenshot of the terms of the lease from xchange leasing. As stated I paid all payments automatically through XXXX. When I returned the Veichle the leasing company informed me that I do not owe anything. This is some type of false debt. I spoke to the company after receiving the letter, they asked for proof that i owed this money and they never responded to me and never sent any proof. This needs to be resolved as its inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX , XXXX, neglected to show my Auto Loan History. I need to buy a Car.

Experian removed all my previous 3 Auto Loan Payoffs causing negative responses from Lenders.

Several Dealerships say that Experian removed my payment history. The report indicated I dont have Auto Loan History and falsely classified me as a First Time Buyer.

Good Auto Loan Payoffs should be Required By Law to remain on my Payment History so this information can be used to buy a car.

I am requesting that my Auto Payoffs be reflected on my Report.
Product: Credit reporting or other personal consumer reports

I have contacted Experian over XXXX times to resolve multiple issues with my credit report. During my first call, I was able to speak with someone, but they hung up without assisting me further. They did not call back, and subsequent attempts to reach them through their automated system were unsuccessful as it would not transfer me to a representative. 

As instructed by Experian, I mailed a certified letter containing my updated address, a copy of my ID with the new address, proof of address, and the letter they requested. Despite this, Experian has failed to update my credit file and claimed that I did not provide sufficient documentation. This is incorrect, as I included all the required materials as outlined in their instructions. 

Additionally, I requested that Experian remove unauthorized inquiries from my credit report. However, they have refused to address this issue or take any corrective action, despite these inquiries being made without my consent.

Experians lack of response and failure to address these matters have caused significant frustration and could negatively impact my creditworthiness. I am requesting CFPBs assistance in ensuring that : 1. My credit report is promptly updated with the correct information.

2. All unauthorized inquiries are removed from my credit report.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company pulled my credit report without contacting me according to my Fraud alert
Product: Student loan

XX/XX/XXXX XXXX of my loans for {$43000.00} was transferred to Navient. 
XX/XX/XXXX my balance erroneously jumped to {$100000.00}. 
XX/XX/XXXX my loan balance was {$110000.00} XX/XX/XXXX {$55000.00} was subtracted from my account changed the balance owed to {$55000.00}. I was told this was to correct the error they made over 7 years ago. 

Navient had been accruing and charging me interest on money that I didn't owe. They erroneously added {$58000.00} to my loan and then 7 years later only removed {$55000.00}. When I discovered this issue I began asking the customer service reps about it when they call and they won't address it. They keep saying it's been fixed, move on. They did this to my other loan as well. Below are those details. 

XX/XX/XXXX my loan was {$33000.00} and the balance jumped to {$70000.00} ( + {$36000.00} ) XX/XX/XXXX loan balance was {$73000.00} XX/XX/XXXX {$36000.00} was subtracted from the loan and new balance was {$36000.00}
Product: Debt collection

Mitchell D. Bluhm & Associates sent me a letter for a debt without statement of debt, letter heading is Law Offices of Mitchell D. Bluhm & Associates. They then called me every day on my cell phone representing themselves as working for a law firm by saying this is the Law Office of Mitchell D. Bluhm and Associates. This company is not a law firm and is only a collection agency. I only found out they were not a law firm when I asked for their State Bar #. I was then transferred XXXX times to have a woman named XXXX get on the phone and say that this is just the name of our company, which is not true. The company 's name is Mitchell D. Bluhm and Associates only.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if XXXX are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED from my TransUnion Credit Report immediately. 

1. XXXX  XXXX Bankruptcy : Bankruptcy 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX in addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal la, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

primer student loan center took advantage of my vulnerabilities with my student debt and offered a false offer and took my credit card information and I am asking to send me proof of my cancellation but they have not responded. I want to make sure they don't charge me because within an hour of my submission to the agreement I cancelled as I read they are a scam. They offer payment of {$190.00} for 6 months then {$30.00} per month for 120 months and that your debt is forgiven.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : # XXXX XXXX XXXX, Account name : # XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my writtenfurnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) Section states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by XXXX  years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Payday loan, title loan, or personal loan

I am struggling to make my payments due to being overwhelmed with finances. The company calls up to 10 times a day, harassing me at this point and I don't know what else to do..
Product: Mortgage

XXXX XXXX XXXX XXXX , XXXX, As Trustee For Stanwich Mortgage Loan Trust A and Carrington Mortgage Services LLC have, and are in violation of New jersey Statute 52:15D-13 WHICH CLEARLY STATES THAT ANY INSTITUTION SERVICING A MORTGAGE OF AN INDIVIDUAL IN RECEIPT OF THIS CERTIFICATION IS OBLIGATED UNDER NEW JERSEY LAW TO GRANT A  PERIOD OF FORBEARANCE BASED ON THE PARAMETERS OUTLINED ABOVE. 

I had received this certificate of eligibility on XX/XX/2019, which was 39 days before the sheriff sale, in which the above named companies proceeded with by deliberately violating state law by ignoring and refusing to honor, comply, obey, recognize and abide, in which they are, and have been instructed to.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued frustration and concern regarding the multiple attempts I have made to remove fraudulent items from my credit report, which persist despite my diligent efforts. I initially contacted your agency to report and dispute several fraudulent items on my credit report. These fraudulent items include specific fraudulent items, such as unauthorized accounts, late payments, or other inaccuracies. Since then, I have made multiple additional attempts to rectify this issue, providing extensive documentation to support my claims and adhering to your agency 's dispute procedures diligently. Despite my persistent efforts, these fraudulent items remain on my credit report, causing significant damage to my credit score and overall financial well-being. These inaccuracies have a direct impact on my ability to secure loans, housing, employment opportunities, and have severely eroded my trust in your agency 's ability to maintain accurate credit reports. I have attached copies of my previous correspondences with your agency, as well as the credit reports that clearly illustrate the continued presence of these fraudulent items. It is crucial to emphasize that these items are the result of unauthorized transactions and are not a reflection of my financial responsibility. I urgently request that you take immediate and definitive action to remove these fraudulent items from my credit report. I have provided substantial evidence to support my claims, and it is essential that this matter is resolved without further delay. Additionally, I request written confirmation once the corrections have been made. Furthermore, I kindly request that you provide an explanation of the steps your agency is taking to prevent the recurrence of such errors in the future. Accuracy in credit reporting is essential to maintaining trust and confidence in the financial system. If this matter is not addressed promptly and resolved to my satisfaction, I XXXX have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal remedies to protect my rights as a consumer. Kindly assist me to remove these following fraudulent items : 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
Product: Consumer Loan

I hit a rough spot and became unable to pay for simple things needed for everyday life. I asked for the automatic payments that were set up to be held after the bank tolde chances are they are not licensed to lend in Wyoming. Which after much research they are not licensed. They continually call me from numbers that are n't associated with the company. I am just wanting to pay off the remaining principal in installments. They will not contacte regarding this via email as I requested.
Product: Debt collection

I started to receive letters from Midland Credit a couple months back for a said amount of {$1600.00} that they claim I owe. Midland Credit is now threating to sue me and damage my credit without the proper validate this debt being provided to me. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations has not expired 6. A valid, legible copy of the agreement stating the debt and interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 All the above has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four written request ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Product: Checking or savings account

I was contacted by scammers who were disguised as the department of fraud or something similar to that.They claimed that they were trying to help me but in reality they were trying to scam me. I filed a claim with Chase about this, but unfortunately they were not willing to help me and this claim was closed. 

Note : The UNAUTHORIZED transaction was XXXX dollars total, the money that was stolen was also my financial aid money that I earned through my federal work study job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  SXXXX is being reported as discharged through bankruptcy which is false. My student loan were never included in my bankruptcy.
Product: Student loan

I have applied for recertification of my XXXX  program and Nelnet refuses to process my recertification saying that my recertification date has not been reached ; nelnet is asking for an almost {$800.00} payment when payments resume! I can not afford such a payment! they refuse to recertify me!
Product: Checking or savings account

Chase is withholding funds from my account from a check that has already cleared. I deposited a check from XXXX XXXX XXXX, into my Chase XXXX account on XX/XX/year>. 

On XX/XX/year>, XXXX paid the funds to Chase. 

As of XX/XX/XXXX, XXXX days after the check cleared, Chase still has not deposited those funds into my savings account.
Product: Credit card or prepaid card

I called Alliant for service and phone operator did not provide service. I asked for a manager but phone operator said she is the highest point of contact there is no manager abover her. At that point of time I have responded appropriately to the crooked phone operator for the intentional disservice. 

Following which I wrote a complaint against Alliant via XXXX. Alliant Credit Union has closed all my accounts because I reported them to XXXX. Alliant stated in their XXXX  response " We will coach representative after reviewing that call ''. This indicates Alliant agree their phone operator did not do the right thing. Hence I marked the XXXX  complaint as resolved, following which Alliant sent me a letter stating they have decided to close all my accounts for " my '' behavior during that phone call. 

This is contradictory to what Alliant have said in their response via XXXX. If they realize and confirm in writing that their phone operator needs to be coached, then why would they be closing all my accounts. This is only an adverse reaction from the business for me writing a complaint through XXXX. The crooked XXXX at Alliant are very clever, they first sent me a misleading response via XXXX  platform so I mark the publicly viewable complaint as resolved and after I did so they went ahead and closed all my accounts.
Product: Mortgage

We received notice from our county office that real estate taxes have not been paid from our escrow account. The amount in default is {$3500.00}. The first notice was received on XX/XX/XXXX. The default will be published in the local paper on XX/XX/XXXX. If payment not met, we will also be charged interest. 

The Lender, CMC Funding, has yet to open an investigation after many requests. Numerous calls have been made and am given the runaround. This has not been the best experience with this Lender. 

As a consumer, I find this unacceptable.