23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I was contacted to return my leased car early to take advantage of current discounts. The sales associate was not forth-coming with the monthly payments when asked ; he did not work out an estimated cost to give me an idea what the vehicle would cost me per month. He removes your plates and cleans out your old car but you have n't spoken to the finance manager. He hides the actual monthly payments from buyer, beating around the bush by saying " I 'm getting all the discounts possible '' ; he makes you wait until near the close of business ( by then you 've been there for about XXXX frustrated and only wanting to leave ) then ushers you in to see finance manager who then dissuades you that more down payment wo n't make a difference in the monthly payment and wo n't put off his paperwork or asks your associate to get a better price for you. Because of this lack of respect for customer 's need vehicles are being repossessed ruining lives because customer feels as if they do n't have an option but to take what is being offered to them. Even though I told the sales associate what I would like to pay. I signed the contract because I thought I could not get back the vehicle I was trading in too early. I 'm a single parent with XXXX kids that I needed to get to school XXXX miles away from home. I felt scammed and lied to now I 'm being sued by this company.
Product: Credit card or prepaid card

I met all the qualifying criteria for the Citi Premier credit card but I was informed I was no longer eligible due to an account opening/closure of same credit card family within 24 months despite during the entire relationship with Citi I have never requested any account closure and the only account opening within 24 months I requested was this card. 

XXXX XXXX : I applied for the Citi Premier card with a promo 50,000 ThankYou points for {$4000.00} of spending in 3 months. 

XXXX XXXX : I met eligible spending requirements within the timeline. 

XXXX XXXX : I called Citi to confirm eligibility and Citi claimed that I was not eligible due to a closed Citi Forward which Citi unilaterally closed in XXXX. I contended this should not affect eligibility given even on today 's Citi signup promotion for Citi Premier, that the Citi Forward is not listed as one of the cards whose opening/closing would affect eligibility and that additionally the closure was action taken by Citi and not myself. It would also be contentious for any closure initiated by Citi to affect bonus eligibility given Citi could use it to the effect of artificially causing failure to meet bonus terms. 

XXXX XXXX : I called Citi again to check eligibility and this time they said I was not eligible because I closed a Citi Preferred card in XXXX. However this was after I applied for the Citi Premier and furthermore the card was converted to a XXXX card, not closed as it is the same tradeline as the Citi Preferred. Not withstanding the fact that this occurred after the application of the Citi Premier, a conversion should not count as a closure and nowhere during any interaction with Citi on that matter was there a mention of any effects with regards to bonus eligibility.

Given Citi 's inconsistent reasoning on what affected bonus eligibility and unreasonable claims of what constitutes card closure. Citi should honor original bonus terms as stated at the time of application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies have added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
Product: Student loan

On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/ ; XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I deposited My Paycheck to my Chase Bank account And they continuously put hold on my checks for up to 2 weeks When the checks are always good I've never given them any reason to doubt me for fraud I asked them why are they putting my checks on such long hold She said and this is the supervisor that I altered my paperwork so I went to the branch had the XXXX manager do all the homework himself print everything himself and upload everything himself so I did not touch that 1 piece of paper to show them that these are legal documents from the state of Florida Licensing department So that proves right there This is all because they messed up They know they messed up so now that they have the actual Paperwork Uploaded From one of their managers They see everything is official nothing was wrong they still do not want Release my money I haven't been to work since Tuesday because I have no gas in my car I haven't eaten a real millicence Tuesday because I haven't no food My electricity just got turned off today and I have a Daughter I'm I am going to lose my job because I have not been to work since Tuesday Because I have no gas And now they are putting an overdraft fee on my account because I only had XXXX XXXX in it but they're holding {$2700.00} of my money And have the nerve to charge me an overdrive fee for a service in maintenance charge I can't even afford to buy the Medicine For my mom I had to take her to the emergency Yesterday Just to get some insulin Because her blood sugar was jacked up So people 's lives are potential At risk because this bank does not want to release my money when They know they're the ones that messed up And what's worse They took the money from the other bank Already so they have the funds they just do not want to Release them to me I met the end of my rope I don't know what else to do Short of something drastic And foolish Please help me
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts included in this FTC 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.
Product: Checking or savings account

Wells Fargo does not deduct amounts such as presented checks, debits, withdrawals, their usurious fees, etc.., in the order they are made by the consumer. Therefore, their current balance given to consumer on bank by phone is incorrect, making it impossible to accurately balance one 's account and resulting in multiple XXXX fees that they also do not disclose in a timely or accurate manner, resulting in fees on top of fees. They will also " bounce '' the same check as many times as it is presented, collecting XXXX each time! Ridiculous practice. Once a check is returned for " insufficient funds '' that should be it. But not with Wells Fargo. They will pay things out of order so they CAN " bounce '' and collect their fees. If you call to talk about it they act as if the consumer doesnt know how to balance their checking account. It took me a year to figure this out. I have paid hundreds in unnecessary fees. They are despicable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and a victim of the XX/XX/XXXX XXXX data breach. The following accounts and credit inquiries are all fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX. These fraudulent accounts and credit inquiries are from my personal information being compromised from the XXXX data breach in XX/XX/XXXX.
Product: Credit card

home depot credit services- new store credit card I can NOT create a login for my new credit card account on their site because of " technical difficulties '' on Their end. they state they have had issue for over a month and have no idea when it will be fixed. I can not login to pay my card, view my statements, freeze my card, file a complaint for fraud or dispute a charge. their website is unavailable to me. a modern credit card carrier working with a modern day corporation should NEVER HAVE a 16 % website down time. ITS A WEBSITE IT IS 2 0 2 4! -- - get your XXXX together and hire some competent web developers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to verify accounts with out any proof. The accounts are also being reported inaccurately across the board. These accounts are not even reporting my name. When I spoke with Equifax they just said it was a typo but this clearly is an inaccuracy and another MATERIAL fact that is demonstrating more errors in their reporting. 

XXXX XXXX XXXX  Account # XXXX XXXX is reporting this account as charged off in XX/XX/XXXX, Equifax is reporting it charged off in XX/XX/XXXX. You are reporting no data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  is also reporting it as ok in XX/XX/XXXX while Equifax is reporting it delinquent in XX/XX/XXXX. 

Equifax is not reporting any close date. Equifax Is reporting this account as sold but not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. this item from my file it is inaccurate and incomplete. 

XXXX XXXX Account # XXXX Equifax Is reporting this account as 60 days late XX/XX/XXXX, no data in XX/XX/XXXX and XX/XX/XXXX and then 90 days late in XX/XX/XXXX, how is this possible? How is still only reporting 90 days late she. there is 2 months in between XX/XX/XXXX and XX/XX/XXXX? Equifax Is also reporting the account as charged off in XX/XX/XXXX but a past due balance of {$5200.00} in XX/XX/XXXX. If its charged off how is a balance being reported? Equifax Is not reporting any close date for this account. 

Equifax Is reporting a last payment date of XX/XX/XXXX while XXXX  is reporting a last payment in XX/XX/XXXX. How can this be accurate if its reporting differently to the credit reporting agencies? Which one is accurate? 

Im also disputing the balance of this account and name on this account. 

XXXX  has already removed this account from my file because it could not be validated or verified. Please delete this item from my file it is inaccurate and incomplete. 

The XXXX XXXX XXXX Account # XXXX XXXX  is reporting this account as ok in XX/XX/XXXX, Equifax is reporting this account as delinquent in XX/XX/XXXX, while XXXX  is reporting this account delinquent in XX/XX/XXXX. Its reporting differently to all 3 reporting agencies. How can this be accurate? 

XXXX is reporting this account was closed in XX/XX/XXXX, Equifax reports this account was charged off in XX/XX/XXXX and XXXX  is reporting in closed in XX/XX/XXXX. How can this be reported as accurate. 

Equifax Is reporting this account as sold but youre not reporting when it was sold. 

I am also disputing the balance of this account and the name on this account. 

I sent certified letters to Equifax and according to the postal service they were received XX/XX/XXXX. I also attached copies of the credit reports showing the inaccuracies. 

I also sent debt validation letters to the above mentioned creditors and they have not responsed with any proof.
Product: Student loan

On or about XX/XX/XXXX, the US Dept of Education completely discharged my student loan through the Total & Permanent Disability process. It has come to my attention that XXXX XXXX is reporting MOHELA as reporting two ( 2 ) tradelines in which both states the student loans were zeroed out because they were transferred. On the latest tradeline, it is reported that I was severely late in paying MOHELA even though I had been on an IBR with XXXX XXXX  monthly repayment. The latest tradeline was also initially reported by XXXX XXXX as being supplied by XXXX XXXX. Thus XXXX was named defendant in a lawsuit along with XXXX XXXX. This complaint is being sent to you in response to a tradeline/credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/XXXX. This notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that any student loans serviced by your company have been transferred to another and not 100 % paid off through discharge. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Injurious Tort and other damages. Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will remedy this with any and all legal options. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. Best Regards, XXXX XXXX SSN XXXX DOB XXXX Student Loan # XXXX
Product: Student loan

American Educational Services is now telling me that I can't lower my payments for this Private Loan. It is saying I'm not eligible to do so. I have been calling over and over since XX/XX/XXXX. I can't get hardship, forbearance I can't get anything. The problem with this one they are saying this payment is the lowest of XXXX. I have only paid XXXX in XX/XX/XXXX and XX/XX/XXXX on this loan. There is no other way with my husband on XXXX and I only work for XXXX per hour it's not going to work and still be able to eat. 

The problem is with calls all the time from XXXX XXXX  who is the lender, they are the worse in harassment to me and my mom who is XXXX years old and now I don't have that career job I was promised 10 years ago. I went back to school after loosing my business in XX/XX/XXXX and thought for sure I would get a good job by now, it's not happening. Not in our area. With the subprime housing market in XX/XX/XXXX and XXXX going out in our area it's forced alot of us baby boomers back to college trying to get a good job, but no jobs however we are still facing another hardship with college debt. 

XXXX XXXX keeps threatening to ruin my credit, my mother 's credit and they also say they will garnish my wages and my mom 's Social Security. I just can't believe they don't work with me on this. They call over and over again, writing letters and now I only have about 10 days they say before this all starts. Please please help!
Product: Credit reporting

In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX claim.
Product: Credit reporting or other personal consumer reports

XXXX is showing Climb credit has me paying 30 days late, but I've been on auto pay since we started the loan. This is the 2nd time they've reported I was late when I have not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter ( failing to put the proper address on it ) claiming I requested a security freeze on my consumer file.

How can I request anything for a company that I never heard of before today? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months.

They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Request Inaccurate & Unverifiable Account Reporting To : [ Credit Bureau XXXX ] From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Dear CFPB, I am writing to formally dispute an inaccurate and unverifiable auto loan account listed on my credit report. Below are the details of the account in question : Creditor : XXXX XXXX XXXX Account Status : Charged-Off Balance : {$12000.00} Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX This account is being reported inaccurately, violating XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ). I am requesting the complete deletion of this account for the following reasons : Lack of Proper Documentation ( XXXX FCRA ) Please provide a copy of my signed contract and full payment history to validate this debt. If you can not verify, this must be deleted. 
Inaccurate and Incomplete Reporting ( XXXX FCRA ) The missing highest balance and payment terms violate federal accuracy requirements. 
Potential XXXX XXXX of Limitations ( Maryland XXXX ) This debt XXXX be beyond legal collection timeframe, meaning it should be removed from my credit report. 
XXXX XXXX XXXX The reporting contradicts the last payment date, and if this debt was sold, XXXX should not report an active balance. 
Per FCRA regulations, you have 30 days to investigate and correct this matter. If the account can not be verified, please remove it entirely from my credit report. 

Please send a written confirmation of the results of this investigation to my address. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Mortgage

In 2016 quicken loans under one reverse mortage made me take this mortage so they could make money. I was not in my right mind at the time due to other issues bothering me. They too complete advance of me. There so-called counseling phone call was rediculious. Then they scammed me to charge me for lots of fees tobepaid from the small amount of money I received. Such as termite inspection and treatment, appraisal fees and insurance and more so I only got XXXX dollars for a pd for 4br 2 bath home on a large lot fully landccaped. I feel totally injured. This has ruined my life and now my XXXX  sons will suffer as well as I have nothing to leave them. I've workmen most 2 jobs since 14 years old. My house was pd in full because that was my largest dream. I pd it in 20 yrs, only to have this company steal it from me. I have tried to offer them way less money but they will not even consider that. Now the house need a so much work than it is not work doing even if I could. I'm XXXX soon and this is so gut wrenching for me and my kids. I know you can't or won't do anything about it. All govt. Is doing is throwing money away to parents who are vacationing on their child tax credit money. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Debt collection

I paid this debt and then I started getting collection letters from Transworld Systems , Inc. The debt was originally from XXXX XXXX XXXX XXXX which I did pay late, but now have a XXXX balance. I checked online with XXXX and it does show me having a XXXX balance. I paid the debt with my credit card several weeks ago and I 'm still receiving debt collection letters.