23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Equifax charged off amount is {$1000.00} and closed as of XX/XX/2022. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit card

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest credit accounts. Capital One misrepresented the 360 Credit account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Credit account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me.
Product: Checking or savings account

On XX/XX/XXXX {$6000.00} dollars was removed to a XXXX XXXX account. I have filed a police report and called Usaa repeatedly. I was told over and over even though I presented evidence that the mo day was not taken by me but was removed due to fraud. I followed everything I was told to do. I was repeatedly told that I was at fault. I was not given hardly any information and I called up XXXX and XXXX and was told it was fraudulent but Usaa would not listen to any of this and I was finally told by a XXXX that I needed to stop calling and it was final.
Product: Student loan

On XX/XX/year>, I submitted my updated income recertification paperwork and the application on studentloans.gov. 

A few weeks later, I reached out to Nelnet and spoke to a rep who confirmed my information was received and my new payment should be XXXX. My account should reflect that change a few days later and everything would continue as normal. 

For two months after, my status was changed to administrative forbearance even though I was already on the SAVE plan and simply recertifying my income. 

On XX/XX/year>, I've reached out to nelnet to inquire about why my loan status has changed to administrative forbearance after I submitted income recertification paperwork. The rep informed me that my application was mistakenly resubmitted as an APPLICATION to SAVE, which was incorrect procedure because I was already on the SAVE plan. The rep said she would submit paperwork to correct this mistake and that my interest accrued would be refunded. 

On XX/XX/year>, I followed up and the rep informed me that although my account was properly changed back to active status for the SAVE plan, the interest would NOT be waived. She said that my request was denied and resubmitted twice, only to be denied again. I filed a formal complaint with the rep at this time. 

In short, I am filing this complaint because nelnet has mistakenly put my application from SAVE to a reapplication to SAVE for a simple income recertification. This has resulted in 2+ months ' worth of interest accural, which Nelnet is refusing to waive or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX and explained to him that these inquiries add a hardship and that my rights are violated by TransUnion. He advised that they do not remove inquiries. I advised him of the computer glitch and he advised there was no such thing. I 'm asking the CFPB to help me make TransUnion stop victimizing me. I 'm asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Checking or savings account

I created my checking account around XX/XX/XXXX with the promotion XXXX. After waiting for several months to receive the {$400.00} bonus for opening my checking account, I received a message from customer service on XX/XX/XXXX stating that I had funded my account on XX/XX/XXXX and I maintained the balance for 60 days and qualified for the bonus. I was then told that I should receive the cash bonus on or before XX/XX/XXXX. After not receiving the cash bonus, I contacted customer service again on XX/XX/XXXX and I was told that I would be receiving the bonus on XX/XX/XXXX. After not receiving the cash bonus again, I contacted customer service on XX/XX/XXXX and an investigation was launched to determine the status of my bonus and whether or not I qualified for it. A decision was made on XX/XX/XXXX stating that I qualified for it and would receive the bonus within 30 business days. I then reached out on XX/XX/XXXX to customer service to check on the status of my bonus and I was told that case was pending for 3 more business days and that it would be resolved after that time. It was supposed to be resolved today, XX/XX/XXXX and it has not been and I have yet to receive my credit. I contacted customer service again and I was told instead that I would be credited the bonus by the end of this month. I was supposed to receive the bonus on XX/XX/XXXX and it has been over a month and a half now since I was supposed to receive it.
Product: Debt collection

Citibank N.A negotiated with me a cancellation of debt in XX/XX/XXXXon a consumer revolving credit line, and I reported the amount as income on my tax return and paid any tax 's due.

I was provided a XXXX  with remarks " Cancellation of debt '' and " discharge of debt '', and further a letter from the Vice President saying that they will not longer attempt to collect the debt. I have sent both of these to Citibank N.A.

Fast forward to XX/XX/XXXX, Citibank N.A is now reporting the account on my credit reports as 90 days late every month all the way back to XX/XX/XXXX, with the entire balance still due, and refuses to remove the information and tells me only that I can pay them the full balance due as the debt is now still valid. What a scam!

The only representative that I was able to contact me hung up on me, when I was politely asking questions and sharing my proof that I have in writing.

I need the CFPB 's assistance as this is damaging my credit and potentially costing me huge amounts in higher interest rates due to Citibank 's wrong information.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

My loan is almost paid off my payoff amount as of XX/XX/21 is {$1600.00} while my principle balance is {$910.00}. I am being charged excessive fees and have been through the life of the loan.
Product: Debt collection

Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint regarding Chrysler Capital. 
I leased a new vehicle in XXXX, paid the first months payment at the lease signing. 
I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. 
Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. 
They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due. 
They then reported to the credit bureau 2 weeks later, while my account has been fully current. 
And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my concern and dissatisfaction regarding the handling of my loan, which was originally obtained from XXXX XXXX  on XX/XX/XXXX and subsequently acquired by Citizens Bank. 



During the XXXX pandemic, like many others in the country, I was granted an extension on my loan. After the extension period, I resumed making payments on time without any issues. This continued even after Citizens bank took over the loan. My payments were timely up until XX/XX/XXXX. 



In XX/XX/XXXX, I was unexpectedly notified by Citizens bank that I must pay off the loan in full. I immediately contacted customer service for clarification. Unfortunately, I was subjected to hours of being transferred back and forth between representatives without resolution. Ultimately, I was informed that Citizens bank would not honor the extension terms established by the original lender, XXXX XXXX 


To make matters worse, when Citizens institution acquired my loan, I was not properly or timely informed of the acquisition or provided clear information about any changes to my loan terms. As a result, Citizens bank inaccurately reported one of my payments as late on my credit report. This was not due to any action or inaction on my part but rather Citizens banks failure to take the proper steps to ensure customers were informed. 


This situation has not only caused me financial inconvenience but has also negatively impacted my credit score, Citizen bank punishing me for an issue entirely outside my control. With all due respect, when will financial institutions of your magnitude take responsibility and accountability for such errors? 

It is truly unfortunate that I am left with no choice but too seek help from regulatory agencies to address this issue. This is a sad and disappointing situation, when I have done everything to remain in good standing with my loan obligations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing.Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. 
I do not nor have I given my consent to any consumer database. 
I would like the following addresses deleted This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX CT, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My name is XXXX XXXX please delete all other variations. I am no longer affiliated with these addresses, I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Product: Credit card

My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.
Product: Debt collection

Alliance Collection Agencies , Inc. sent a letter dated XX/XX/, indicating that I owe an amount of {$200.00}. I replied with a certified and returned receipt letter on XX/XX/, for Alliance to validate the debt, but never received a response. 

Alliance sent a second letter dated XX/XX/ XXXX  for the same amount of {$200.00} without response to the first letter dated XX/XX/ XXXX They completely ignored my request. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request a validation of the debt. This is a violation of the Fair Debt Collection Practice Act and validation is required by Federal and State law. I have attached both letters in this complaint with the certified receipt number. 

In addition, I requested Alliance Collection Agencies to provide me with all of the information in both letters I sent. This is to provide me with the agreement and contract with my signature and validation of HIPAA with my signature. They ignored my request for the second time. I examined my credit report on XX/XX/XXXX and Alliance Collection Agencies reported inaccurate information to the credit bureaus ; XXXX, XXXX XXXX XXXX which is a violation of my rights.
Product: Credit card or prepaid card

When booking a flight through XXXX, I was subjected to a misleading booking incurring charges that I did not approve before clicking the box to buy the airline ticket. After the ticket was bought they charged my credit card {$70.00} in addition to the flight tickets??
When I brought this to the attention of Discover Card, they gave me a hassle and the next day sided with their much bigger " client ''. Everyone knows that XXXX has the best record in protection consumers from fraud or misleading selling practices, and apparently companies like Discover could careless, and need to be called out XXXX is lying to them, saying I approved their " travel related assistance ''. This is XXXX. We were booking a flight just like on any other online sight, then they declare they are a travel agent? They should spell this out up from and itemize their fees to consumers because we select " Buy ''. Because if you read all their poor reviews, BBB and many others, when you see their fees after booking and go to cancel ( within 24 hours ) they charge you a cancellation fee and change flight fee. They also intentionally book wrong days ( did it to me last earlier this spring..I thought it my fault until I read other consumer reviews ) I am saying as a consumer they need to disclose their fees up front, especially the " travel assistance fee which is vaguely hidden, but vaguely disclosed under the terms and conditions. This was not asked for nor was it approved. These companies are very sneaky with very confusing websites, done intentionally I 'm sure Discover has customer service attendants that do n't have to common sense to analyze and see deception and miss-leading consumer practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything on my report is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX 2023, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from XXXX account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( Convergent outsourcing collection ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX ACC # XXXX, ( XXXX ) has violated my rights.
Product: Checking or savings account

In XX/XX/year>, {$68.00} in total was taken from my account and I filed a dispute. DirectExpress sent me {$68.00}, however, in XX/XX/year> they took the {$68.00} back and did not notify me that the dispute had been denied nor why it had been denied. I had provided proof to support my dispute. I have not received any communication from DirectExpress regarding my dispute and why it had been denied. I have experienced them being very uncooperative in regards to attempting to resolve my dispute, and they have been rude over the phone. I have recently had to re-order a new card for the third time in this year alone due to the unauthorized transactions taking place without my consent nor prior knowledge.
Product: Prepaid card

I have a work card through money network. on the week of XX/XX/23. I could not access my account. Once I was able to contact customer service and get into account, I noticed {$2000.00} was missing. It appears someone hacked into my bank account and stole my money. Money network says they can not help.I did not authorize this bank transfer.
Product: Credit card or prepaid card

I applied for XXXX XXXX XXXX XXXX by Citi on XX/XX/2018, and get a response what my application is under review asking to call Citi for more details. I called them XX/XX/XXXX and they said they require additional documents from me, one of the following : US passport, Permanent Residence Card ( " green card '' ) or voter card.

I'm resident alien in the US on H1B visa with valid SSN but I don't have any of this documents : I'm not a US citizen to have a passport or voter card and I don't have a green card either. They neither decline my application nor approve it.

I called them to check if there is a mistake in data and they accidentally have US citizenship for me in the file and they responded - no.

I have a few other credit cards with different banks and I have an excellent credit history and I never was asked to have a permanent resident card or the US citizenship to apply for credit card.

Moreover, there is no such information on terms and conditions page for this credit card
Product: Credit reporting or other personal consumer reports

attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in connection with my credit report. I have recently obtained a copy of my credit report from your agency and have identified the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive disputed these items on my report XXXX XXXX XXXX with no change in status on my report. The reports show I opened two accounts on the same date XXXX with the same balance status date and balance all identical. There is no way possible I couldve opened two separate accounts the same day for the exact same amount.Both of these accounts are charge off accounts and are in complete error please remove or delete from my report. Thank you. I will attach the information from my report.
Product: Credit reporting or other personal consumer reports

I have recently review my credit report and noticed that several discrepancies are reporting. My personal information and various addresses that do not belong to me. A XXXX XXXX  inquiry made in XX/XX/XXXX, a JPMCB Card XX/XX/XXXX. and XXXX XXXX XXXX XX/XX/XXXX.