23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter submitted to XXXX on XX/XX/XXXX via XXXX online dispute portal XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX ATTN : XXXX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as Lexis Nexis, XXXX XXXX, XXXX, and the likes. 

US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with LexisNexis that they were not able to validate this alleged bankruptcy in accordance with federal law. Having the above-mentioned information, XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. 


I am hereby demanding this entry be permanently removed from my XXXX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX did not provide the information i requested including documents proving that the debt they are reporting belongs to me. 
Re : Account ending in XXXX XXXX  XXXX Case : XXXX CFPB Case : XXXX I reached out to XXXX XXXX , and in accordance with consumer protection laws, they do not disclose passenger information to external entities unless mandated by law enforcement with a proper warrant. It's noteworthy that XXXX XXXX can confirm the fraudulent nature of an {$11.00} charge attributed to me. Despite multiple requests, XXXX XXXX has failed to furnish me with the requested documents, insisting that, given the online account opening process and alignment with public records, a signature is dispensable. 
This situation raises concerns under consumer laws as my identity has been compromised, leading to the appearance of fraudulent accounts in public records. Mere alignment with public records does not substantiate my involvement, and it is crucial for XXXX XXXX to address this matter responsibly. Contrary to their reports, I have never engaged in any transactions with XXXX XXXX, and they are inaccurately attributing an account to me. It is imperative for XXXX XXXX to rectify this misinformation promptly, ensuring compliance with consumer protection regulations.
Product: Credit card

XXXX See this prior complaint. 

XXXX and or/USAA took funds from my XXXX account to cover a USAA credit card payment and there is still no explanation as to what happened to the payment, which USAA does not recognize. 

Furthermore, USAA is charging me interest now. 

{$120.00} on XX/XX/XXXX unexpectedly appeared on my USAA account as a finance charge. 

Please explain and what happened to the check from XXXX. 


There has been no feedback from either company to the complaint above.
Product: Mortgage

My mortgage servicer failed to pay my homeowner 's insurance and the policy lapsed. They took no action to remedy the issue and only claim that they did nothing wrong. My insurance lapsed for four days while they took no action. The company, NEWREZ, caused my insurance to lapse with no action as they did not pay the premium out of escrow as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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. 


XXXX XXXX -Account # XXXX -Closed- {$23000.00} XXXX XXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -Collection XXXX XXXX  Account # XXXX -Closed XXXX XXXX - {$2500.00} -XXXX XXXX  - Account # XXXX -Closed -XXXX XXXX - {$31000.00} XXXX XXXX -Account # XXXX -Closed- {$29000.00} -XXXX XXXXXXXX XXXX XXXX -Account # XXXX XXXX XXXX XXXX - {$14000.00} -XXXX  -Account # XXXX -Closed- {$620.00} XXXX XXXX XXXX -Account # XXXX -Closed XXXX XXXX - {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # 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
Product: Credit reporting or other personal consumer reports

An ex employee/ business partner XXXX XXXX XXXX XXXX ( PII ) personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.
Product: Credit reporting or other personal consumer reports

All of my federal loans were through XXXX and they were all forgiven last summer via PSLF. However, they all still show up on my credit report with the balance from before the loan forgiveness was processed. XXXX and student aid.gov both show a {$0.00} balance, but this was not reported to the credit bureaus and so it is not reflected on my credit report. My credit reports think I have much higher debt as a result.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On Experian the date of last activity is XX/XX/XXXX on XXXX its XX/XX/XXXX and on XXXX its XX/XX/XXXX, with all 3 bureaus being last reported in XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed as inaccurate. Please delete this account from my report.

Account Number : XXXX Account Name : XXXX
Product: Money transfer, virtual currency, or money service

I believe that it was mistake to close my PayPal account. I am using my PayPal account for my online business and digital marketing Since XX/XX/2021 when the time of pandemic a rise and the lockdown in our area was implement. My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.
Product: Credit card

I have a dispute with US bank concerning an illegal credit inquiry that was done on XX/XX/2016 at the bank located in XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IN XXXX. You will see from the correspondence that I sent a letter with other documents/Inquiry Removal form stating this negligent act .I have also called on three occasion and spoke with different representatives and still this matter has not been solved. 
What the bank have done with respect to injuring my credit, however, is absolutely unacceptable. I have learned from the Credit Bureaus, in the course of seeking to procure a loan that they have placed a hard inquiry on my credit report record with the major credit-reporting companies used by merchants and lenders all over this country. Because of this action, my credit is questionable for a loan approval, and I assume other credit will be withheld from me .I have been diligently working to repair my credit score and this recklessly indifferent act by an improperly trained person at the bank has caused a serious problem for me.
Product: Checking or savings account

Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX debt collector for Capital One. During the pandemic my account went to collections. My wife and I had a joint account. XXXX XXXX  XXXX sent garnishment letters from XXXX to XXXX. They began my wages weekly in XX/XX/XXXX. My wife contacted them to resolve her issue or put blame me. My wife and I are separated and not speaking with each other. XXXX XXXX XXXX XXXX sent legal documents to my payroll department at the XXXX XXXX XXXX in XX/XX/XXXX. My name is the only name mentioned on a joint account with my wife XXXX XXXX. ( Credit card ending XXXX ) The garnishment is weekly between {$99.00} to {$110.00}. My wages at the is XXXX hourly. What Justice would approve garnishment of my wages? I think it maybe a scam. The garnishment totals $ XXXX monthly. There's many scammer 's out there. My apartment complex make fraudulent charges too. 

*Please cancel my current complaint XXXX. It was entered incorrectly. My apologies.
Product: Debt collection

I received a call and voicemail from ( XXXX ) XXXX which stated it was an urgent message out of XXXX XXXX with reference number. The gentleman referenced he was call from some company called " XXXX '' something. He left the number ( XXXX ) XXXX XXXX for me to call and provide the above reference number. When returned the call to the ( XXXX ) number, I young lady introduced herself and said she represented XXXX, XXXX and XXXX XXXX for XXXX XXXX XXXX. She informed me that I had a check from Compass Bank in collections that was written on XX/XX/year> to XXXX XXXX in XXXXXXXX XXXX  for the amount of {$98.00}. With all the charges and fees, the " client '' is requesting {$2200.00} to settle with a minimum of {$440.00} which would cover the check and the acquisition fees. When I explained my overwhelming disbelief of how it was even possible to how this was not presented in the past XXXX XXXXs. I also asked about the statute of limitations and she begin to explain " tolling agreement ''. The young lady seemed to have a couple of my addresses on file as well as the last XXXX of my social security number. I explained to the young lady that none of this made sense as I have held a XXXX XXXX and this was never addressed. I suggested I only pay the {$98.00} from the original " debt '' as this was an unfair request due to the time passed. She asked me to hold so she could discuss with the " client ''. She later came back to the line and informed me that the client declined and would allow me to pay {$440.00} over XXXX payments. I asked the young lady for her name and extension to return her call after I processed this information. She told be her name was XXXX and her ext. XXXX. She also stated that she would only XXXX able to hold current mediation terms for XXXX hours. Afterwards the " client '' would only speak to me in court or through my legal representative. I did not provide any money or personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a collection letter from XXXX collections. I responded in writing and by phone. I told them the account was not mine and that I never opened an account with the original creditor. I thought the matter was settled. Then XXXX collection 's reported the debt to XXXX XXXX, XXXX and XXXX  credit agencies. This has negatively affected my credit score!
Product: Mortgage

Client in the process of selling their property. A lien popped up on title from an old XXXX account. The company purportedly handling the lien is called XXXXXXXX, XXXX, TX XXXX. Despite being asked on numerous occasions to provide a payoff to escrow, they have refused. The seller ( client ) now is being threatened with a lawsuit by buyer because of this company 's actions. XXXX is in violation of XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one will not allow me to connect and external application to my information in order to analyze my spending and service costs.
Product: Credit card or prepaid card

This Macy Charge card still shows on my 3 credit reports. This Macy Charge card has pass it statue limitation to show on my reports.
Product: Vehicle loan or lease

XXXX XXXX ( previously of XXXX, MA ) had purchased a used XXXX in XXXX XXXX. 
The car dealership made the loan with US Bank. After XXXX set up automatic monthly payments via US Bank website, unfortunately the US Bank overcharged her account. XXXX reported the overcharge. US Bank apologized for the error their service overcharged, but did not refund bank charges for over draft. 
Not being able to trust US Bank, XXXX elected to pay off the loan a few weeks later. Account number XXXX US Bank still owes her {$750.00}, four years after she paid off the loan early. 
XX/XX/XXXX US Bank mailed her a letter stating they had issued check number XXXX for {$750.00} on XX/XX/XXXX, but the check had not been cashed. XXXX has called multiple times to state that she never received the check. Customer service states they can " see '' that a refund is owed, but have told XXXX that " someone will investigate '' and call her back. One customer service rep told her that the letter signed XXXX XXXX XXXX had supplied a " wrong number '' XXXX. They could not supply a correct number to telephone, but suggested XXXX write a letter and mail it - as in what people did before the internet was invented. XXXX did snail mail a letter to the XXXX XXXX XXXX XXXX MN XXXX but it was returned as " no such address ''. Calling back again and again, XXXX has been told to call " XXXX XXXX '' at XXXX. 
Please, it's been over four years. Could they please issue the refund check as they claim they did over a year ago? 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX
Product: Credit card or prepaid card

After filling out a pre-qualification form on Kohl 's website and being told " Congratulations! You're Pre-qualified for a Kohl 's XXXX '' account I submitted an application and it was denied. They misled me and told me it was my fault when I called them to inquire. I have included the Prequalification code below and will be submitting disputes with the credit bureaus to have the inquiry removed from my report. This was a very misleading experience and I feel as though I have been lied to and abused by this company.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report yesterday and noticed an inquiry on my credit report that my credit score was lowered because of it. I have no idea why this happened as when I went to the dealership, I already had a pre-approval from XXXX XXXX which is who I financed my vehicle with. I did not request for Toyota to run my credit as I went to the dealership with every intent to use the pre-approval that I provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX   XXXX XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXXXX/XX/XXXX with more than 15 pages of documentation..SEE ATTACHED XXXX  Letter Dated XX/XX/XXXX here, confirming they MISTAKENLY reported my loan delinquent in error forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX, XXXX, Equifax. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX   XXXX. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX   saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX showing collection this is paid XXXX XXXX it was marked as fraud and company notified report bureau XXXX XXXX marked fraud I got letter last month that company would notify credit bureau XXXX XXXX marked as fraud as well still showing collection XXXX XXXX its two of them I paid and settled both still showing as not paid
Product: Credit card or prepaid card

I received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX  who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX points.