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

XX/XX/XXXX - I opened a bank account with XXXX under the promotion - " Welcome {$500.00} Checking Offer XXXX XXXX, XXXX XXXX XXXX ''. The account was opened online using the promotion code XXXX, but I was never given the account number or routing number. The page told me the account was successfully created, but that I would receive an email with the account number and routing number. For the days following, I waiting on that email to make the initial deposit, and I never received the account details. 

XX/XX/XXXX - As I have not gotten the email yet, I have been unable to make the initial deposit. I visited a branch so that they can provide the account information and to make a {$100.00} deposit. The teller attempted to make the deposit, but then told me the account was closed. Reason given " did not make required initial deposit ''. I explained I was unable to do so as I was never given the account information. I was told I could open a new account at that time. I explained I signed up under a promotion, and was told they could apply it to the new account. A new account was created, and the agent said she will apply the promotion XXXX. 

XX/XX/XXXX - On the same day, I received an email with the following : " Thank you for enrolling in the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' XX/XX/XXXX - I received the following email : " Thank you for your recent enrollment into the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. '' I have NEVER had an account with BB & T, SunTrust, or Truist prior to the accounts I created above. 

I called customer support, and they told me that because I had created the first checking account ( the first one that I never received account details for ), that it counts as having a personal checking account with Truist, and therefore, I would not be eligible for the promotion... 

To summarize, I created an account online, they never provided me the account details, they told me the account was closed because I never made a deposit ( which i couldn't without the account number ), proceeded to tell me to open a new account, then telling me that the new account was not eligible for the promotion because of the first account that they closed. 

This seems like bait and switch tactics to get people to open new accounts under the assumption that they will get what was offered by the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX and Transunion, You have 3 late payments listed on an account that was NEVER late. The account I'm referring to is with XXXX XXXX XXXX. I've never missed a payment ever since opening the account, and my payment history reflects my good standing and faithfulness. 

I previously tried correcting this mistake, and as a consumer, I trusted you to fix the information. Please note that I have opted out in writing to your forced arbitration terms and seek legal relief if this is not resolved appropriately. 

I demand you provide legal validation, but please remove the late payments from my account. Since I know you can not legally validate these late payments, please remove the late payments from my account / update them to current. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed that the listed account are on my credit report and they are not mine authorized by me and need to be removed from my credit report immediately. XXXX keeps udating account on my report without investigating. I am a victim of a data breach and XXXXXXXX XXXX cyber security attach where my personal information Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX This company also fail to remove the inquiries listed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.
Product: Credit card or prepaid card

XXXX - Comenity Bank Card I made a purchase and have made payments on time and had card paid off. At the end of XX/XX/2022, their system went down for a couple of weeks with many online portal issues, pay by phone and so on. Very well documented as it was a big issue for many consumers. 

I had made multiple payments towards a final pay off in addition to a in store, auto pay and also paid by phone in order to make sure the payment was in full. During the week of XXXX XXXX the system showed card paid in full and also an over payment by {$500.00} due to an auto-payment that still processed. 

The system was down and could not be relied on as it was not showing correct transactions as made. 

I've been calling to check on a {$500.00} payment as my bank shows payment made. Comenity Bank states the payment was returned but can not provide proof. My bank, XXXX XXXX  shows that payment was made but never returned. I've asked for proof of return but Comenity Bank can not prove this. The payment was never returned into my checking account.
Product: Checking or savings account

On XX/XX/XXXX, I submitted a wire request from Discover Bank to my XXXX XXXX XXXX account to purchase a car. The wire went through, then on XX/XX/XXXX I received an email from Discover Bank stating they froze my accounts and said to call them. I have called them multiple times and they never pick up the phone. 

Today I tried to call them again and was put on hold for over three hours and then hung up on. I need them to reach out to me or answer the phone so I can have access to my money.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX XXXX XXXX XXXX } acct number XXXX due to { inaccurate credit reporting and fraudulent signatures from the company } i am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 

Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I command immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. ". I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX reporting is inaccurate : My history with the company CONGRESS CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! They have violated the Fcra XXXX XXXX XXXX by reporting this transaction or experience on my Consumer Reports they have XXXX calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for!. Defamation of character XXXX. Negligent Non - Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act XXXX XXXX VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( XXXX XXXX XXXX  in
Product: Mortgage

Had to prepay for an appraisal In the amount of {$400.00} for a loan that I did not close on. When I asked about a refund, I was told that refunds are not given for appraisal. I than asked another lender and was told that if a loan is not closed on, I am not responsible for the cost of an appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with XXXX and TransUnion regarding late payments reporting falsely on my credit report. They keep giving me generic responses. However I have provided them PROOF that it was on time. XXXX told me they can't fix it on their end and I had to talk to the bureaus. It's just the run around. This is harming me. And it's falsely reporting. My payments have always been on time.
Product: Credit reporting or other personal consumer reports

An unknown fraud hard inquiry on my XXXX XXXX XXXX account from chase bank and XXXX XXXXXXXX showed up on my credit account I did not authorized or filled out it was fraud someone stole my identity
Product: Student loan

I am writing to formally file a complaint regarding the unauthorized access to federal student loan data by individuals associated with the Department of Government Efficiency ( DOGE ). Recent reports have revealed that DOGE personnel improperly accessed sensitive borrower information from the Department of Educations student financial aid databases, violating federal privacy protections and jeopardizing the security of my personal and financial data. XXXX XXXX XXXX XXXX XXXX  ) As a federal student loan borrower, I entrusted the Department of Education with my Social Security number, financial records, and other confidential data under the expectation that it would be safeguarded against unauthorized access. This breach constitutes a severe violation of my rights, and I am deeply concerned about the potential misuse of my information. 



Given the gravity of this breach, I am requesting the immediate voiding of all student loan payments for affected borrowers, including myself, as the Department of Education has failed to uphold its duty to protect our sensitive financial data. The unauthorized access by DOGE personnel has compromised the legitimacy of loan servicing and borrower agreements, warranting full loan cancellation as an appropriate remedy.

Additionally, I request : 1. A thorough investigation into the extent of the data breach.

2. Confirmation that my personal data has not been misused or further shared.

3. Immediate implementation of stronger security measures to prevent future unauthorized access.

4. A formal response detailing the Departments corrective actions and any borrower remedies.

This breach has significantly eroded trust in the Department of Educations handling of borrower information. Until this matter is fully addressed, I do not believe borrowers should be held responsible for repaying loans under a system that failed to secure their personal and financial data.

I expect a prompt response regarding the Departments plan to rectify this issue, including voiding all student loan payments for impacted borrowers. Please confirm receipt of this complaint and provide updates on any actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

My mortgage is with SPS Select Portfolio Servicing.XXXX XXXX, XXXX XXXX XXXX, UT XXXX I am set up for Bi-Monthly autopay withdrawals from my bank account. I received a statement showing no payments since XX/XX/XXXX which means I'm close to two months behind and being charged late fees. When calling SPS customer service the agent DID see I was still active on their autopay program and had no idea what the problem was. I was put on hold several times until we hit 30 minutes and still no resolve. I requested the late fee removed since this error falls on SPS and a resolution ASAP before my credit is affected. The agent, days later never got back to me and this problem should be resolved within minutes. I checked the XXXX  and saw pages of complaints regarding SPS and some were exactly like mine stating some customers could not get assistance or return calls. I could send you that link if needed. 
I have not heard from their ombudsman either and when I called customer service minutes ago they knew nothing about my case but again I was told they would get back to me. I never wanted this mortgage company but after a recent RE-FI, the mortgage was sold my mortgage so I had no control of the situation. Until XX/XX/XXXX, at this time I owe {$2900.00} which includes penalties. I should be paying {$720.00} every two weeks but due to their error, the amount is adding quickly and also affecting the amount of interest paid. Even if or when this is rectified I fear more problems with this company in years to come if something this simple can not be resolved easily.
Product: Debt collection

I have been getting 10 to over 20 phone calls a day to two of my phones. Many are from the Discover 800 number, but several come from another number not listed as Discover. I can almost set my watch to the times this company calls me. I have tried to inform them that this was illegal, but they said that they have every right to do this until my debt is paid or a settlement is reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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, hard inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Hard Inquiries need to be removed for violating my rights.
Product: Debt collection

Bull City Financial reported on XXXX to the credit bureaus that I owe {$540.00} but I never received any written documentation from Bull City Financial about the debt being owed. I am on XXXX XXXX XXXX health insurance since I am only XXXX XXXX XXXX and in XXXX full-time we have medical insurance so, this should not be owed. I would like to receive notice along with the actual bill showing what was paid by my insurance company and what is actually owed with a way to dispute this amount. I would also like this removed from my credit report immediately
Product: Checking or savings account

I opened a new Chase Checking + Savings on XX/XX/2019 by using a promotion code provided Chase's website - XXXX?XXXXBy fulfilling the terms of service, I was expecting $XXXX as stated on their own website. "Enjoy up to $600Get $300 with a new checking account and another $200 with a new savings account with qualifying activities. Plus get an extra $100 bonus when you do both!"Now, Chase is reneging on the offer stating that a promotion code was never applied to my account and therefore, I am ineligible for the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Mortgage is stating I am in a forbearance when I am not ; I used a Covid relief and have since repaid all of my back mortgage and they are reporting on my credit report I am in forbearance. It is causing financial hardship on me. I need help. Under the Covid relief plan it states they are not suppose to report it on your credit report.
Product: Credit reporting or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


I contacted the creditors who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.
Product: Consumer Loan

I went through a Chapter XXXX which included a Reaffirmation of my vehicle. I represented myself and understand what was included in the Reaffirmation. The Chapter XXXX started in XXXX XXXX and was discharged XXXX XXXX. The Reaffirmation included the total amount due to TD Auto and included a payment schedule that I am to follow to pay the total amount I owe. That schedule started on XXXX XXXX, XXXX for 62 months and I have n't missed a single payment. XX/XX/XXXX I was assessed a fee and now shown to be late. When I called TD Auto I was told I missed a payment in XXXX and I was being charged for it. I tried to explain I went through a Reaffirmation in Bankruptcy and did not miss a single payment so I could n't be late. TD Auto stuck to the belief that the Reaffirmation meant nothing as I filed a XXXX complaint that ended in a stalemate with TD Auto insisting I was late. The XXXX referred me here to take the next step as they have no power to take this further. The complaint number from the XXXX is " Complaint ID # XXXX TD Auto Finance ''. TD Auto claims I never contacted them to make the missed payment when in fact I went through a Chapter XXXX and corresponded with their lawyers, agreed to Reaffirm what I owe, attended the court hearing for the Reaffirmation and was granted the Reaffirmation I sought and agreed to pay and have made those payments.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request the immediate removal of incorrect debt collection accounts from my credit reports with TransUnion, Equifax, and Experian. I sent credit validation letters on XX/XX/XXXXXXXX XXXX XXXX  and have received no response or removal of these accounts, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The following accounts are inaccurately reported 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: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT
Product: Credit reporting

XXXX is listed with 120 day late payments on my XXXX and Trans Union reports, which are not accurate. I disputed first with both XXXX and Trans Union, and both have kept the late payments on my credit report. I wrote to XXXX, asking them to update the information with XXXX and Trans Union, but never received a response back. I disputed again with the XXXX bureaus, only to have them add a remark to my account. The remark is not helpful when the information is incorrect.