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

I exercised my legal right under the FCRA and asked Experian, the CRA, on multiple occasions to investigate an inaccuracy to remove the inaccurate unknown name from credit profile ( XXXX XXXX ) and to update with the correct legal name ( XXXX XXXX XXXX ). The requests were made to representatives on various occasions on their recorded line with formal written requests made on XX/XX/23, XX/XX/23, and XX/XX/23. ( see attached ) Experian did not provide any proof of verification for the name they have on my credit file. I was assured that the illegal name they are using to identiify me would be removed and updated with my legal name. 

They have not investigated, nor have they provided me any updates to reflect my legal name. I was instructed to mail in a utility bill, drivers license and social security card as proof of my identity and name. The items were sent, but Experian did not update. 

It has been over 3 months since my original requests for correction were made. 

I am in the process of preparing legal action which will seek damages allowed to me under law. I am requesting again that they correct my file immediately and send me my updated credit report reflecting my correct legal name. Maintaining an inaccurate unverifiable name, which does not belong to me, has placed my personal data at great risk.
Product: Student loan

I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.
Product: Debt collection

I do n't appreciate how they conduct business. I paid my bill off in full in XXXX XXXX. I thought everything was finalized. I received the {$0.00} receipt balance from Optimum Outcomes, Inc. Then this year in XXXX XXXX, I received an email saying I have an outstanding balance. I reached out immediately to the company twice in XXXX on each occasion the representative told me they would have someone to investigate the problem and contact me. I did n't have to keep calling back. I offered to fax over the receipt I received from them the day I paid my balance in full. The representative tells me they do n't have a fax machine but I can mail that information to them. However, after reading my information they said yes I see where you paid the bill in full but at the time nobody could tell me how I still owed them money but the hospital that was collecting the debt showed I owed {$0.00}. Well I started receiving debt collection phone calls in XXXX XXXX which at this point I am feeling harassed, upset and cofussed as this was not a mistake on my end. So, I explained to yet another rep this month ( XXXX XXXX ) and then that 's when she was rude and started saying she see were I paid my bill in full but they were showing they sent me a portion of that money back in XXXX. Therefore, my complaint is how and why did it take them 7 months to contact me and say I owed money? Indeed if I owed money they would have reached out to me before XXXX of XXXX. They had no problems in the past sending me emails and letters at my home which I received not XXXX collection letter or email after I paid the bill in XXXX until XXXX of this year. This was clearly an error on there end and how do you make this my fault? I did my part which was what I was asked to do and that was to pay my bill which I did ( in full {$170.00} ). What was done on there end should not turn into a nightmare for me as I thought this was behind me. I have read so many reviews and complaints similar to mines. Something need to be done about this mishaps.
Product: Credit card

On XX/XX/year> I was at XXXX XXXX XXXX XXXX XXXX owned by Commenity Bank. I made a purchase, and have a credit card with the company, yet was told that they had a global outage, days before Christmas, and I would not only not have access to use my card information as their system was down and I did not have my physical card, I also couldnt use my rewards for money off my purchase which I had but they were unable to access. Upon going to the register, the employee gave me no greeting, smile, and stepped away from the register I was at.stood at the register next to it, and assumed I knew to move over. While frustrated and wanted a manager was when the confusion came about using my express credit card which I just had a horrible experience with and just made a complaint with cfpb, I was forced to use my XXXX XXXX credit card since I needed the items and had to forfeit my money off with rewards, I went to yet the other side of registers, swiped my card for the amount of {$53.00}, that register was unable to connect so we thought.the manager assured me I wouldnt be charged twice, yet.as she requested me to go to yet the fourth, and I say XXXX register.the purchase which she rerung up and I then had to swipe yet again, it finally went the. Upon trusting this company to be right and fair, they stated after I noticed days later they at the store were unable to do anything and I would have to dispute through XXXX  XXXX. As if it was what I needed through the holidays is to add more confusion, I disputed the charge. By then I found the items to be a bother as to the hassle with XXXX the store associate, the management who found my complaint of not being greeted or spoken to a bother, I decided to return the items, so my credit card company has thought the dispute was finalized. I had to go back and file another dispute and want express to make this right. I have had months of horrible experiences, and they should have made it known to the public the risk of being charged twice. They arent even checking peoples charges and if the individual doesnt catch the charge people wont have a clue. Its unorthodox, and just WRONG. DECEIVING and SHAMEFUL. I look forward to them making this whole and correct immediately. I also will think twice before shopping and spending my money with a company who hires people who arent adding to value to the business, and have such a incompetent credit card system that has had issues for 3 years. Please allow the federal government look into your conduct. Im disgusted and disappointed. Refund my money!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : Transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Date of last payment not consistent : Transunion : XX/XX/XXXX XXXX  not listed XXXX  XX/XX/XXXX Payment status not consistent : Transunion : Current XXXX  ate 120 days XXXX  Current. 
Metro 2 which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.
Product: Payday loan

XXXX keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made 1 payment of {$77.00} then 2 further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Citi Bank regarding the misrepresentation of their promotional offers and failure to deliver promised interest rates for our company accounts. 

Bonus Offer Denied Unfairly : On XX/XX/year>, we opened a new company bank account with Citi Bank, under the impression that depositing {$200000.00} would qualify us for a {$2000.00} bonus, as advertised by the bank. On XX/XX/year>, upon opening the account, we immediately deposited {$220000.00}. However, Citi later informed us that the funds were not considered new money and that we would not receive the bonus. This condition was never clearly communicated to us when we opened the account. 

Money Market Account Interest Discrepancy : We also opened a company money market account with Citi Bank. At the time of opening, Citi representatives assured us that the interest rate on the account was 5 %, and that interest would accrue immediately. However, when we reviewed our statement on XX/XX/year>, we found that we had only earned {$170.00} in interest, which amounts to a rate of less than 1 % for the period from XX/XX/XXXX to XX/XX/year>. 

Unresolved Complaint and Unprofessional Service : On XX/XX/year>, our account manager filed a formal complaint with Citi on our behalf regarding the inaccurate interest rate. The manager assured us that Citi would correct the mistake. However, on XX/XX/year>, we received a letter from Citi stating that our complaint had been closed on XX/XX/year>, due to insufficient information. We were never contacted by Citi to provide any further information before they prematurely closed the complaint, and they did not make any genuine effort to resolve our issue. 

Throughout this process, we did not receive any proper disclosure or documentation, every Citi representative we interacted with failed to provide professional service and attempted to shift responsibility, causing us significant financial loss. We believe Citis actions are misleading and deceptive, and we request compensation for the losses we have incurred due to their mishandling of our accounts. 

We would greatly appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

What Happened : On XX/XX/year>, I discovered that Pay Tomorrow Finance is reporting a late payment for the month of XX/XX/year> across all three major credit bureaus ( XXXX, XXXX, and XXXX ). This is despite my account with Pay Tomorrow Finance being fully paid off since XX/XX/year>. 

I contacted Pay Tomorrow Finance on XX/XX/year>, and spoke with an agent named XXXX at XXXXXXXX XXXX XXXX  During this call, XXXX confirmed that my account has a zero balance and expressed uncertainty about why the company is reporting my account as delinquent. She also stated she would send me an email regarding the issue. While I received her email, it lacked a reference number and did not address the erroneous reporting. 

This false information has caused significant harm to my credit score, which has dropped substantially due to XXXX XXXX Finances inaccurate reporting. Despite having no outstanding balance, the company continues to report a late payment, which is a violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ). 

Amounts Involved : My account balance was {$0.00} as of XX/XX/year>. 
The reported late payment for XX/XX/year> is inaccurate and unjustified. 
My credit score has dropped by [ state approximate number of points, if known ] as a result of this false reporting. 

Actions Taken : XXXX. I called XXXX XXXX XXXX on XX/XX/year>, to dispute the inaccurate reporting. 
XXXX. I requested immediate correction of the error, but no corrective action has been taken so far. 
XXXX. I have also sent a formal demand letter to Pay Tomorrow Finance requesting correction and compensation for damages caused by their actions.
Product: Student loan

On XX/XX/XXXX, I was told by a Discover Student Loan supervisor that I must pay a {$200.00} past due amount on my account in order to be considered for forbearance as I do not have a job to reliably pay the loans back. I made the past due payment and then was told to call back in the next 24 hours to discuss the forbearance option. I would call back then to do so but to my unpleasant surprise I was told that I actually needed to have a past due on my account in order to be considered for forbearance or any form of pause to the payments. The agent I was with even shared her confusion with the whole ordeal and said they would file a complaint but I have not had any sort of remedy or at least an explanation as to how this could even occur. I had to wait for my account to get past due again just to have only a 1.5 month pause on payments. Considering I was in contact with a supervisor at the time I made the past due payment, this can not be seen as just a simple and even acceptable mistake. I spent {$200.00} for nothing when I could have used that for other expenses. Please help with this.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I just noticed a fraudulent account on my report. I have no Idea where this is from and it is hindering my ability to obtain credit. Here are the details to this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My stimulus check was sent to my chime account. Chime will not refund this money to me. They closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report NELNET has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and NELNET know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and NELTNET regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. NELNET has had my school loans since XXXX. If another agency like, XXXX is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to Federal Student Loan account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from mXXXX XXXX XXXX due to the cap of XXXX put on Federal school loans by the Republican Congress in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and NELNET refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former XXXX now servicing school loans as Conduit. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my Federal Student Loan account.
Product: Debt collection

Debt collector was trying to get me pay the balance on a home alarm that I didnt open. when I asked to email me the information they were confirming me a different email address that is not mine. if this was my account they should have all correct information. I asked them to remove it from my credit but they refused and threatened me to be sued. They also hit my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to place a security freeze with Sage Stream. I was unaware that this entity, has and shares information about me with other entities. I reached out to this company to no avail. I've submitted the documents on their site requested to implement the security freeze, on top of calling numerous times during their scheduled business hours without any success of reaching them. They're recording states they'll contact you back within 24 hours and that hasn't happened either. This company I feel is a fraudulent company, has access to my personal information/ identity without my consent or prior knowledge and I don't give them permission to share any information they have of mines against my wishes. Furthermore the information I believe they have is not accurate. This company needs to freeze and or delete whatever information they have of mines and let me know that is been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft Affidavit and Police report were submitted on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Product: Mortgage

Chase used to have an online option that allowed customers to schedule bi-weekly payments. They no longer offer that option. If I just pay the amount due every month on time, it takes 30 years and I pay approx. {$260000.00} in interest ( $ XXXX loan ). If they allowed me to make bi-weekly payments, I pay off the mortgage in 25 years and only pay {$210000.00} in interest. I pay the exact same amount every month, just more frequently. That saves me money. That 's why Chase does n't allow me to do it. That should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX  Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type XXXX XXXX ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

See attachements. 
In XX/XX/2024, I became aware that an account with XXXX XXXX XXXX ( Account # XXXX ) was being reported as a " Collection/Chargeoff '' on my credit reports with Experian. This reporting is inaccurate and unlawful because the creditor, XXXX XXXX XXXX, issued a Form 1099-C, Cancellation of Debt, for this account. 

Key Facts and Timeline : Issuance of Form 1099-C : In XX/XX/, I received a Form 1099-C from XXXX XXXX XXXX, XXXX XXXX XXXX debt associated with this account had been canceled. Under the Internal Revenue Code ( IRC ), the issuance of a 1099-C signifies that the debt has been forgiven and the creditor no longer has the legal right to collect or report it as an active debt. 

Inaccurate Credit Reporting : Despite the cancellation of the debt, the account continues to be reported as a " Collection/Chargeoff '' on my credit reports. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit bureaus be accurate, complete, and verifiable. 

Actions Taken : I contacted XXXX XXXX XXXX to dispute the inaccurate reporting and requested that they update the credit bureaus to reflect the cancellation of the debt. 
I filed a formal dispute with XXXX,, providing a copy of the Form 1099-C as evidence. 

To date, the account remains on my credit report as a derogatory item, causing significant harm to my credit profile and ability to obtain financing. 
Legal Basis for Dispute : The continued reporting of this account as a " Collection/Chargeoff '' violates the following laws : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c ( a ) ( 5 ) : Requires that canceled debts not be reported as active or derogatory.
15 U.S.C. 1681i : Requires credit bureaus to investigate and correct inaccurate information. 
Internal Revenue Code ( IRC ) : The issuance of a Form 1099-C confirms that the debt has been canceled, and the creditor no longer has the legal right to collect or report it. 
Request for Resolution : I am requesting that the CFPB assist in resolving this matter by : Ensuring that XXXX XXXX XXXX updates the credit bureaus to reflect the cancellation of the debt and removes the account from my credit report. 
Requiring Experian to delete the account from my credit report, as it is being reported inaccurately and unlawfully. 
Supporting Evidence : I have attached a copy of the Form 1099-C and my credit report highlighting the disputed account for your reference. 

Thank you for your assistance in resolving this matter. Please let me know if additional information is required.
Product: Checking or savings account

I visited the above noted location today around XXXX via the drive thru. I made a cash deposit and provided a deposit slip. The teller asked for my identification. I have never been asked for my ID when simply making a deposit. I mentioned to the teller the inconsistency. I want the bank to ensure certain customers are not being profiled based on animus I visited the XXXX XXXX branch and was asked for my license and debit card. I note bias and inconsistencies from branch to branch. XXXX XXXX XXXX customers are asked for unreasonable requests despite being the account holder. The corporate office is dismissive
Product: Credit card or prepaid card

Hi and thank you for your help. 
Seven days ago I made a direct deposit payment to my Bank of America Visa Card linked to XXXX XXXX XXXX. The direct deposit was reflected from my checking account six days ago. The money has still not posted. BofA has no idea where the money is no idea why it's not reflected as payment. 

The amount would have paid off my balance and allowed me to purchase much needed supplies for work. As it sets I have been unable to work because my money has disappeared. The issues has created significant losses, I'm unable to purchase supplies for work. 

Per a credit card staff reported the delay could be a marketing ploy to push customers into downloading their app. This has to be illegal. 

I need help finding my money and addressing the losses do to their marketing program.