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

I have been a customer of Citibank for years. I have several credit cards and a checking account. Due to having a credit card first/prior I regularly receive promotions to open up bank accounts for cash bonuses with Citi ( I do not recall whether I utilized a provided link from my online banking with them, from an email from them or a website link/offer on their site ( we would have to ask them ). In early 2022, I took advantage of one of their offers and deposited {$15000.00} into a checking account. I opened up the account online. I did not receive any confirmation email or letter of my coming bonus, so several months after opening the account, I called Citi and confirmed verbally and on a recorded line ( Im sure ), that : 1 ) I had completed the required steps to receive the {$300.00} bonus 2 ) That my {$300.00} bonus would be deposited into my account at the end me of XX/XX/2022 ( My account is still open with exactly $ XXXX sitting in it ). 
I gave it some some time after not receiving anything in XXXX, and I believe I started reaching out toward the end of XXXX. I have now spent hours ( my estimate is about 7 hours ), either on hold or speaking with representatives and supervisors. I have made many calls at different times. I have often been disconnected after being placed on hold ( it seems like they hang up on you purposefully because they dont want to deal with you ). They have NO record of me ever getting a bonus and are asking my for proof, which they did not provide. I have had $ XXXX sitting in a non interest bearing checking account for 7 months ( which I took from an interest bearing savings elsewhere ), and so I am now out the {$300.00} that Citi is cheating me out of and I lost out in 7 months of interest in a high yield savings account with XXXX. I feel cheated and disrespected. I called a branch last week and left a detailed message with an employee and was told I would get a call back that day or the next by a banker that could help. I never heard back, please help!
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2021 we refinanced a mortgage with Huntington Bank. Both the first and refinanced mortgage are with Huntington Bank. The new mortgage has {$180000.00} to pay off the first mortgage of {$180000.00}. Which means Huntington Bank owes me the difference, which is {$1400.00} I have been in communication with the Bank. But I feel like I am just getting the runaround with delay after delay.
Product: Credit card or prepaid card

capitol One quick silver card, i have NEVER MISSED A PAYMENT EVEN PAID IT OFF ONCE, XXXX XXXX  AND OUT OF A JOB, STILL MANAGE TO PAY MINIMUM PYMENT DUE ON TIME, BUT THE INTEREST RATE CAPITOL ONE CHARGES OF INTEREST IS XXXX A MONTH INSANITY! HOW IS A CONSUMER SUPPOSE TO TO LOWER BALANCE WHEN THEIR PAYMENTS ARE MADE ON TIME EVERY MONTH!!! 

AND EVERYTIME I CALL CUSTOMER SERVICE, I GET CONNECTED TO OUTSOURCED AREAS SUCH AS XXXX AND XXXX XXXX AND THEY DON'T SPEAK XXXX WELL AND MAKES IT DIFFICULT TO UNDERSTAND WHEN DISCUSSING ISSUES ON CREDIT CARD!!! 

CAPITOL ONE CHARGES YOU SUCH HIGH INTEREST AND DONT ALLOW BALANCE TO COME DOWN ON PURPOSE! THATS HOW THEY MAKE MONEY!! THAT IS RIPPING OFF LOYAL CONSUMERS
Product: Credit card

I was notified by Wells Fargo Bank on XXXX via mail that my credit card account had been closed due to returned payments. Payments bank account which I use to pay all other cards and bills was not able to make the payment ( due to a mistake on their end which they have admitted ). Nonetheless, I used another account to pay my balance in full. 

When I reached out to Wells Fargo, the rep admitted that it was a mistake on their end and mentioned that the problem would be escalated. I then received a letter that confirmed that payments were returned with no fault of my own however that my account would be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are incorrectly reporting that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Debt collection

I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.
Product: Debt collection

About XXXX XXXX XXXX months ago a debt collector called Genesis contacted myself claiming I owed my previous Landlord company at XXXX XXXX XXXX XXXX, {$1300.00} for unpaid rent. I left my previous landlord at XXXX XXXXXXXX on XX/XX/XXXX with my full deposit intact. Genesis also started persistently calling my stepdaughter who had a separate apartment at the same XXXX XXXXXXXX complex up to XX/XX/XXXX. 

When I initially asked Genesis to provide written proof of their debt claim. Genesis refused saying that they had already sent me this information which I had never received. Genesis then repeatedly XXXX  or XXXX  a week would call me but more so my stepdaughter demanding payment. Each time I would ask for written proof and Genesis would refuse. 

This collection is showing on my credit report and increases in amount bi-monthly. 

I contacted XXXX XXXX XXXX XXXX XXXX personally and they assured me that nothing was ever outstanding and that my previous information was not held in their computer program. 

The last time that Genesis attempted to contact myself or my stepdaughter was XXXX on XX/XX/XXXX. The collection is still showing on my credit report.
Product: Student loan

I am writing in regards to Navient Private Student loan company. In 2013 My husband and I filed XXXX XXXX bankruptcy and included Navient formally known as Sallie Mae in to my list of creditors. This company has been aggressively contacting me after my bankruptcy discharge trying to collect payment. I did not voluntarily make payments. 

At the initial meeting of creditors Navient formally Sallie Mae never showed up at court to make a claim. At the meeting of creditors Navient would have been able to make any claims for payment to them. Navient Instead waited till the end of our bankruptcy to collect the principal plus interest during the entire time of my bankruptcy. 

After been harassed several times by Navient we agreed to pay them because of the undue stress they were putting on myself and my family. After my bankruptcy was discharged, I initially told Navient that I didnt owe them any more money because it was discharged in our XXXX XXXX XXXXankruptcy as being a non-qualifying student loan. I verified this information from the college I attended to. Navient did not give us a Private qualifying student loan. After the bankruptcy discharge Navient repeated to call me and my husband and sent me letters colleting payment. I was told that I must make payments and my student loans cant be discharged and they would report me late to the credit bureaus if I didnt send in a payment. After going through the bankruptcy process, I was in fear of them reporting me to the credit bureau late and messing up my credit. 


At this time, I have records of my bankruptcy and a record of every qualifying student loan that I received during the time enrolled at XXXX during my enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid a collection balance in full in agreement that the collection agency will remove and delete all reportings. The agency is still reporting a negative account after they were paid off.
Product: Debt collection

Portfolio Recovery has been calling up to 8 times a day from different numbers each time. They did not have all the information reqiured on the debt validation letter, so all they do is call and call and call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I requested a pre-approval for mortgage with XXXX XXXX On XX/XX/2023, over 20 banks called and texted offering mortage products and also have calls from overseas ( XXXX ). Few banks reported that all my information was provided by TransUnion. 

Ive tried calling and texted Trasnunion, but no response. I proceded to enter my information in the Opt-out service and early in the morning in the non-call but still receiving a ridiculous amount of calls and very aggressive as they do not understand this calls are unsolicited.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to investigate my disputes regarding inaccuracies on my consumer report. Despite my Identity Theft Report that was submitted to them, they continue to not comply with FCRA law and remove the items listed on the letter that was submitted to them along with ALL forms of identification. Apparently I am not the only one that they are doing this to due to the recent lawsuit filed against them by the CFPB for willful non-compliance 15 USC 1681n. This practice also violates the Fair CreditReporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Per 15 USC 605 ( b ), they had 4 days to remove these items to date these items still remain o my report.

Furthermore, their actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

I had financed a car XXXX, 2025 through Global Lending as a bank. GLS Lending failed to mail the paperwork on time and I never received any bank statement hence I was unable to make my monthly payment on time which impacted my credit scorXXXX. I called GLS lending on XX/XX/XXXX and spoke to XXXX and she apologized for the delay in packet. She emailed me the paperwork and said I have 15 day grace period for the payment and it shouldnt impact anything.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX  Account number XXXX 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: Credit reporting or other personal consumer reports

I noticed that an account was opened with XXXX XXXX XXXX on XX/XX/XXXX And another one with XXXX XXXX XXXX on XX/XX/XXXX Another account was opened with capital one on XX/XX/XXXX I have no idea about these reports on my credit profile and Id want it deleted
Product: Debt collection

In response to CFPB complaint # XXXX, my name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC ( PRA ) for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy. I have attached a debt validation letter, a cease and desist, a copy of the account reporting on my ( XXXX, XXXX, and XXXX ) consumer report ( marked as Exhibit A through C ), Exhibit D which is a copy of their response to CFPB complaint # XXXX, and a XXXX of an FTC report that will be labelled as Exhibit E when filing for litigation in Federal Court to this complaint. PRA stated, We sent our initial notification letter to you on or about XX/XX/2022, and We have no record of a request or dispute being received in relation to our initial notification letter. Pursuant 15 USC 1692g ( a ), ( b ), and ( c ) I have not validated any alleged debt with PRA. As of XX/XX/2022, I have never received any documentation requesting validation from PRA before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PRA can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. PRA states, In response to one of those disputes, we sent you the attached letter containing validating documentation from the original account. As of XX/XX/2022 I have not received any documentary evidence, such as a trilateral contract, giving PRA any right to collect on this alleged debt. It is my belief that PRA are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deception forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After speaking with XXXX, I was told that TransUnion placed an Extended Fraud Alert on my file and sent the request to XXXX and XXXX. 

I have mailed and called TransUnion several times and have asked that an Extended Fraud Alert be removed from my file. 

The alert is linked to a phone number in which I do not use at all. I have never asked or requested any such alert on my report. 

Please remove this alert from my file. 

Thank you, XXXX
Product: Prepaid card

I had an issue with a purchase in XXXX and filed a charge back with my bank in XXXX. The transaction was supposed to be refunded however my prepaid card company kept part of that money {$54.00}. The company in question is netspend
Product: Debt collection

Dear The CCS COMPANIES/ XXXX XXXX XXXX XXXX XXXX am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state.

4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct.

Moreover, under the doctrine of estoppel by silence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 30 days. 
I demand the immediate removal of this account from my credit report if you fail to provide the requested documents. I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state Attorney General if necessary. 
Thank you for your prompt attention to this matter. I look forward to your response.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/year>. This is a peace treaty to surrender my title and close title loan account request. As I have fraudulent records and evidence of your company opened a new title loan account under my name using my personal information as you are identified as me. Im willing to take legal actions against this crime that your company as committed to local news and law attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I refinanced my home in XX/XX/2020 and my new lender through a title company paid the previous lender ( Flagstar Bank ) in full on XX/XX/2020 via the " payoff '' amount that was provided by Flagstar. However, Flagstar has refused to payoff the mortgage citing they need to inspect my home before they will accept the payoff. They are no reporting me late to the credit bureaus and threatening me with foreclosure. They have given me documentation that shows they have my {$400000.00} payoff and they admit they received the funds via federal wire on XX/XX/2020 but they refuse to payoff the loan. 
Now according to the county recorder I have 2 mortgages because they won't process the payment and my credit scores are destroyed tumbling over 100 points, this is threatening my ability to borrow, my application for student loans have been rejected for my children and it could affect my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act, Equifax Credit Information Services INC, 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 an account without my written instructions. 
I have several inquiries on my credit reports that I don't recognize, and I reported them to Equifax and no action has been taken.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was submitted well before the due date of XX/XX/XXXX. I have attached bank statements and payment confirmation as evidence that my payment was made on time. 
Despite the timely payment, the late payments entry of XXXX and XXXX days has been inaccurately reported by XXXX, which may have been caused by a clerical error in processing my payment. 
Additionally, there was no notification or communication regarding a late payment, and I received no notice of delinquency from the creditor, further supporting the claim that this was an administrative mistake. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Rushmore flagged my account and has not allowed me to make payments. Rushmore states missing documents from loan modification even though I have all documents. They were faxed on XX/XX/XXXX. Seen XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. Judge ordered Rushmore to unflag my account and allow me to receive a modification. 

Account is still flagged. Now Rushmore is in defiance of a Judge 's order.
Product: Debt collection

Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.