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

I value your help to DELETE some items from my credit report that transpired because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

I have had a Collateral Holding Account ( CHA ) secured credit card with Citi Bank since XX/XX/XXXX with a balance of {$300.00} that I contributed myself. XXXX XX/XX/XXXX, my card gets renewed for another year and the account can not be converted to an unsecured card after that date. Annually in XXXX, I receive a letter from Citi telling me whether or not my card can be switched to an unsecured and thus far, it has sill required a Collateral Holding Account. The letter provides no insight as to why I do not qualify for an unsecured card or what criteria is reviewed. 

This year, I received the letter in the mail on XX/XX/XXXX dated for XX/XX/XXXX with again no explanation as to why I was denied an unsecured card. I called Citi Bank on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who told me that a denial reason should have been included on the first letter and because it was not included, a new letter was sent out with a denial reason and I should receive it within 7-10 business days. 

On XX/XX/XXXX, I called Citi Bank again because I did not receive the letter that XXXX told me was sent out. I spoke too a woman on the phone, whose name and ID # i did not get, who told me no such letter exists so it was never sent out. She informed me that it was Citi Banks " internal policy '' to not inform customers of the denial reasons nor the criteria of which the decision is based. I asked to be transferred to someone who reviews the account and makes the determination as to whether or not a CHA is converted into a unsecured credit account. I was transferred to XXXX ( ID # XXXX ) of Account Services who informed me that there is no department who makes that decision and no one reviewed my account. I informed him that I have a credit score in the 700s with all 3 credit bureaus, I have a six figure salary, and have made all my credit payments on time and did not understand the reason for the denial. XXXX again said that he had no one he could transfer me to regarding why I was denied or how I can improve to be approved next year. He gave me a generic email address to write to. Closing this line of credit will adversely affect my credit score but I am more than disappointed with the customer service and Citi Bank as a whole. They are holding me hostage with this card.
Product: Debt collection

Repossessed car in 2019, the company sold the car. The repossessed car loan was XXXX. The company adds charges to the loan to this day and says I owe XXXX for the repossessed car 4 years later. Fraudulent reporting to credit bureaus. Fraudulent charges.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several erroneous entries. The XXXX and TransUnion credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

Hello, I received 2 collections letters from either UPS or someone pretending to be XXXX regarding unpaid shipping invoices. 

I didn't recall shipping anything recently other than " free returns '' with XXXX, so I called XXXX to see what was happening. They claimed that I would never receive a bill for shipping a free return and if there was a charge it would go through XXXX. 

So, today I called the Customer Service number for XXXX and was talking to a gentleman who hung up on me when I asked for the specific details of the invoices. Then I called an 800 number on the collections letter and talked with a young man named XXXX, who told me that it was all a big mistake and that he was XXXX  out the account, but that he couldn't do anything about the collections company, Synter Resource Group, LLC who was initiating a collections action against me. 

I believe that this is a scam and that the invoices were false.
Product: Student loan

I am trying to remove two loan amounts, listed below, from a school I DID NOT attend from my account. and receive reimbursement for any payments that have been made to Navient. 

XX/XX/XXXX XXXX XXXX - Unsubsidized {$9400.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT  Disbursement Date XX/XX/XXXX Original Principal {$9400.00} XX/XX/XXXX XXXX XXXX - Subsidized {$13000.00} Status Awarded XX/XX/XXXX School XXXX UNIVERSITY Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/NAVIENT Disbursement Date XX/XX/XXXX Original Principal {$13000.00} XX/XX/XXXX Logged into Navient   Student loan account to review status of repayment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Graduated XXXX ). Noticed there was a Disbursement of {$22000.00} on XX/XX/XXXX from XXXX University ( I did NOT attend XXXX in XXXX ). 

XX/XX/XXXX Called and Emailed XXXX University regarding Incorrect disbursement. Spoke with XXXX XXXX / Collection Specialist. " I have a Balance of {$0.00} from XX/XX/XXXX ( See attached ). I had all loans cancelled XX/XX/XXXX as I was enrolled through the employee assistance program at the time and was laid off after my first week of attendance involuntarily. '' I was advised by XXXX to contact National Loan Student Data System ( NSLDS ). 

XX/XX/XXXX XXXX University XXXX XXXX / Collection Specialist recommended I speak with the Registrars office at XXXX option 4 & 6 or the AR department at ext XXXX Regarding loan corrections. 

XX/XX/XXXX I contacted the National Loan Student Data System ( NSLDS ) with my issue and received a Complaint Case Number XXXX. 

XX/XX/XXXX Called Navient to have XXXX University loan removed from my account as It was not correct, I did not attend XXXX, nor take out a loan of {$22000.00}. Was advised to contact their internal Investigative line for loans at ( XXXX ) XXXX. Was net with a mailbox where I recorded my issues as there was no person to answer. I have not received a call back. 

XX/XX/XXXX Called Navient back and was advised to visit the Borrower Defense to Repayment website for Federal Student aid at https : //studentaid.ed.gov to file a claim. 

XX/XX/XXXX Contacted XXXX through XXXX XXXX to have my Identity reviewed for Fraudulent activity at ( XXXX ) XXXX. 

XX/XX/XXXX Removed Auto-pay from Navient and contacted Consumer Financial Protection Bureau again to file a second claim regarding this issue as I have not yet have this resolved.
Product: Checking or savings account

My account was all of a sudden being charged fees all the time. I was having fees for everything. They said its because I dont keep enough money in there and I told them I have never been able to keep XXXX in there I have bills to pay. They started charging monthly fees a few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX These donot belong to me! 

15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

ACCT # XXXX XXXX XXXX  Verification demand letter was sent out to all 3 credit companies. XXXX responded back verified without any additional information,
Product: Checking or savings account

On XX/XX/XXXX XXXX, my M1 finance saving account has been hacked and {$63.00} XXXX are missing.When i contacted them, they did not seem very responsive nor helpful. I asked to talk to a supervisor and nobody was available.They sent me a form to fill and told me they will investigate.It has been more than 10 days and the funds have not been refunded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Estimated Month of Deletion on Credit Account Dear XXXX XXXX, I hope this message finds you well. I am writing to formally dispute the inaccuracy of the estimated month of deletion listed on my credit report, as provided by XXXX. The reference number for my credit report is XXXX. 

Upon reviewing my credit report dated XX/XX/XXXX, I noticed that one of the accounts, listed as XXXX XXXX XXXX XXXX has an estimated month of deletion that does not align with my records. The account number in question is # XXXX. According to my records, this account should be deleted from my credit report in XX/XX/XXXX, rather than the current estimated month of deletion of XX/XX/XXXX. 

I have attached supporting documentation, which clearly indicates the timeline for this account 's deletion. 

I kindly request that XXXX investigate this matter and update my credit report to accurately reflect the month of deletion for this account. An inaccuracy on my credit report can significantly affect my credit score and my ability to secure loans or credit in the future. 

Please acknowledge receipt of this letter and provide me with updates regarding the progress of my dispute. Thank you for your attention to this matter. I look forward to your prompt reply. 

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

Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by XXXX XXXX XXXX  against my credit. I have not recently or ever applied for a XXXXXXXX XXXX XXXX XXXX 

This was only an inquiry and it does not appear that the credit card was approved.
Product: Mortgage

My insurance company has uploaded insurance verification to Truist three times. I keep getting letters that say that I do not have insurance. I have tried calling but wait times at over two hours even though they announce 30 minutes. After an hour or two they system cuts you off and you have to start over. Today I went to the local branch and no officer would speak to me about the problem. I left a copy of the XXXX Page that show Truist as a named on the policy with XXXX XXXX at XXXX. I tried calling the number listed on their SEC filings but it is an auto attendant that will not let you get to a human. Please help
Product: Credit card

I had an account with XXXX XXXX. The company closed their credit card business down. My account was closed XXXX it transferred to Genesis FS. Genesis FS recently switched it to Concora Credit. On XX/XX/year> I set up an auto pay on the Genesis FS website for {$30.00} for this account. Today, Concora Credit submitted an ACH for {$350.00} not {$30.00}. I did not authorize them to do this. So, I signed into the Genesis FS account page as Concora has not established a page for Genesis FSXXXX XXXX XXXX XXXX It showed that XXXXnesis FS submitted a payment for {$350.00} yet the auto pay says {$30.00} each month. CONCORA CREDIT is the one who submitted the ACH. I I called Genesis FS and after much investigation, the representative tells me that this has been an issue with other customers as well. When I asked her to speak to someone she said that she could only note my account, escalate it to their accounting department and she also encouraged me to call my bank. I expressed that this ACH was made fraudulently as I did not give them permission to make such a large payment. She apologized and that was all she had the power to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a home loan thru XXXX XXXX. It was a wrongful foreclosure and there has since been a settlement on that in my favor. I have ask to have that removed and not show as a foreclosure.
Product: Student loan

I contacted American Education Services ( AES ) to resolve a past due payment on my account. I was informed that my ability to make online payments had been blocked. I was advised that I could only mail a check or money order, as debit or credit card payments were not accepted. I expressed my frustration because, despite being blocked from making online payments, AES continued to report my loan as past due or delinquent to the credit bureaus. I was told that while direct debit would cover future payments, it wouldnt address past due amounts. I was advised to check back in a few days for a possible reinstatement of online payment options.
Product: Checking or savings account

On XX/XX/18 I went to make an ATM deposit. I followed procedure to enter pin and steps to deposit. I deposited {$400.00} into machine. My card was returned, but the money remained in the machine. I IMMEDIATELY called the Customer Service/ Corporate office to ALERT of machine issue, find status of deposit ( SINCE I DID NOT RECEIVE A RECEIPT ), time for which deposit would be posted to account. The c/s representative ASSURED me it would be resolved and deposited once account was noted of issue/visit the bank to review the deposit camera. 

So I decided to wait of it would or at my available time, XX/XX/18, I visited that location. The loan officer advised me the issue would be resolve in 7-10 business days, yet the money is in the hands of TD BANK at this point and NOT credited to my account. This is unaccepted as I am now facing late fees associated w/ the delay of the deposit of funds!!! I need the late fee that I will have due to the delay of standard to have CASH balances deposited. The balance was to be posted the following business day, yet I " should be clear to spend cash in 7-10 business days '', which is XX/XX/18 -- -- I need an apology and a speedy availability of {$400.00} balance.
Product: Credit reporting

Transunion has recently responded to and deleted XXXX account reported inaccurate on my credit file but there were XXXX files that should had been deleted. XXXX was sent proof that the letter was returned as undeliverable to the company, XXXX, yet they are still reporting that the information was verified. Attached is the letter showing that XXXX amounts in the amount of {$460.00} and {$480.00} were both disputed and the letter was returned as undeliverable so I am not understanding how XXXX account could be verified yet the other could n't yet the company was unreached when I contacted them directly as directed by Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX  - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act US DEPT ED - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Debt collection

I recently did a forensic on my consumer report and noticed in unauthorized soft inquire on my consumer report on XX/XX/2024 from your debt collection company who is in violation of the FDCPA. I am unaware of any alleged obligation to pay any debt owed to Portfolio Recovery Associates ( DEBT COLLECTOR ). If in fact Portfolio Recovery Associates, DEBT COLLECTOR under FDCPA 15 U.S.C. 1692a ( 6 ) ], believe they have given me, the consumer under FDCPA 15 U.S.C. 1692a ( 3 ), PROPER NOTIFICATION shall send me the certified receipt with my name on it and my signature because there is no furnished information about Portfolio Recovery Associates on my consumer report other than a soft inquire. I don't know Portfolio Recovery Associates. I know I don't owe any alleged debt to Portfolio Recovery Associates. I know Portfolio Recovery Associates never offered to extend credit to me. I know Portfolio Recovery Associates never extended credit to me. I know I was never involved in any transaction with Portfolio Recovery Associates. I know I never enter into any contract with Portfolio Recovery Associates. I know I never did any business with this company. This is a sign of fraud and is damaging.
Product: Bank account or service

XXXX I opened the Citi Gold Checking account through a promotion offering XXXX XXXX XXXX miles. I completed the application using the appropriate promo code and took screenshots throughout the entire process detailing the promotional offer and the rules concerning it. I had to spend {$1000.00} on the debit card and complete XXXX bill pays within three months. 

After the application was approved and I had created my online access, I sent a secure message to confirm that the promotional offer was indeed attached to my account and to reconfirm the promo rules. The secure message agent at Citi confirmed the promotional offer for the XXXX miles was attached to my account. A few days later I chatted with a Citi agent to check on the progress of my promotion and what I had completed so far. Again I was assured the promotional offer was attached to my account and I was told I had charged a few XXXX dollars to the debit card and had completed XXXX bill pay. After completing the requirements XX/XX/XXXX, I sent another secure message to Citi to inquire how long it would take for the miles to post. I was told by this agent the following : " I have submitted an investigation to confirm you have completed the required behaviors and qualify for the miles to be awarded to you. '' I then received a communication from Citi saying, essentially, I would not be getting the miles. This was despite the fact that several agents had told me otherwise, and despite the fact that I have screenshots of my application process proving I correctly applied using the promo code. 

Since then the service at Citi has been pretty poor. I continue to get canned responses and no specific reasons as to why the offer wo n't be honored. Agents have assured me a follow-up investigation was opened, but it has been over two weeks since that happened and I have gotten no response. I feel I am being taken advantage of. Had I known Citi would not honor the promotional offer I applied through, I would have left my money in another savings account earning higher interest. 

To top it off, my wife applied for the exact same promo offer on the exact same day and completed the requirements in the exact same time period and she has already received her bonus miles. So there is clearly something wrong on Citi 's end. 

I would really appreciate some real help with this issue. I feel like Citi is not giving that to me, and is not holding up the bargain.
Product: Debt collection

I have never done business with or signed any contracts with SCA Collections Inc. and  they are attempting to defraud me of money via the United States Postal Service. 

On XX/XX/2020 I sent a letter via certified mail with return receipt requesting that this company validate the debt they claim I owe. 

The letter was received and signed for on XX/XX/2020. 

The collection was then removed and illegally placed back on my credit files on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX has for a long time said that I have too many accounts that I have been late on payments. I have never been late with a payment with them or any other creditor. My account with them is now close and I owe them nothing. I would like for them to not have access to my credit because there is a freeze there and I owe them nothing. 

XXXX  XXXX has reported to my knowledge that I am using over 100 % percent of my credit with them. and owe over XXXX USD on my total available credit. This was true but now has been changed to I owe {$74.00} of {$500.00} credit line. I think that is incorrect and needs to be updated to the credit reporting agencies. 

Please if you need any more info let me know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WV XXXX XXXX
Product: Credit card

I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.
Product: Checking or savings account

I have wells Fargo Business checking account. I have written a check of {$1300.00} to XXXX XXXX on XXXX XX/XX/XXXX. Check was deposited on XX/XX/XXXX and reversed on XXXX XX/XX/XXXX. I called Wells Fargo last week to talk about this check... I was told that nothing like this happened. Today XXXX XXXX called me and told that check is rejected and she end up paying {$12.00} as check return charges to her bank ( XXXX XXXX XXXX XXXX. I called Wells Fargo today also at around XXXX XXXX... talked to XXXX... she told me it is rejected but why - she has no answer. 
Please refer the images... Wells Fargo is telling that it's some kind of forgery ... why Wells fargo didn't reached out to me if there was any issue? Moreover I have made the exact same payment to another person. It's embarrassing to see your business reputation ruined by such a shady bank like Wells Fargo. Can't accept this.