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

I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1100.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my husband and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Equifax, XXXX XXXX XXXX, XXXX XXXX. This has been my 10th attempt to get your attention to make you aware that you are reporting inaccurate information on my credit file and I am sending the letter file attachment as a dispute and as an affidavit. If this matter isnt resolve after the XXXX Holiday I will be forced to file a law suit and take legal actions against your companies that are listed above in the beginning of this message. Please read carefully and know this is not an attempt to collect a dept. This is my final attempt of warning. I will be awaiting your response and prior to your investigation and removing the inaccurate items on my credit file I may be forced to remove the law suit if your companies remove the inaccurate items on my credit file and corporate. If you choose not to cooperate you will be served legal documents with a date when to appear at XXXX County Court House in XXXX XXXX Florida. Inaccurate items : All inquiries that are on my credit report was reported inaccurately, I am unaware of inquiries you are continue to report inaccurately and it seem that the inquiries were placed on my credit file by your company without my consent. No creditor or credit Bureau has ever attempted to contact me about the inquires. I am a victim of the recent credit breach and identity theft. Beyond this point I would prefer for creditors and credit bureaus to contact me if any new accounts. I look forward to your response. Sincerely XXXX XXXX
Product: Credit card

XX/XX/XXXX I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. 


Account name NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, 300 written off. {$16.00}, 300 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are reporting late payments on these accounts. XXXX, Equifax and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, Equifax and XXXX are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last 6 years and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:I did not authorize the said inquiries, please delete.XXXX XXXX XXXX,XXXX/XXXX XXXX XXXX,XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card account was taken into collections after I had tried to settle the balance with them. They decided to take my account to collections anyways. I then paid the amount on the account for {$1300.00} on XX/XX/2022 and the collection company wrote me via email that the account would be deleted if the amount was paid. This account still shows as an open balance in full and it shows as a charge off. I need help with making this right and taking this off my credit reports.
Product: Credit reporting or other personal consumer reports

Kick off lending said that I used XXXX $ of a chage account and they put it as a write off on my credit report when I never even used the account. I tried contacting them and they won't even show me a statement or anything that I supposably used the XXXX $ on.
Product: Vehicle loan or lease

Wells Fargo auto went a year without reporting to the credit bureaus on my auto loan and then out of the blue they report a charge off. I believe it's because they were undergoing a mass class action lawsuit during this time which they were ordered to pay customers back in XXXX which just so happens is the year they didn't report. They could not answer me why they waited an entire year to report it. I had no idea until all of a sudden in XXXX of XXXX my credit score dropped over a hundred points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at buying a home and my mortgage broker needed me to unfreeze my credit with Experian to pull my credit report. Experian requires you to create a membership account in order to do that. I signed up, read the privacy policy and shared a ton of personnel information with Experian to include my cell phone, SSN, address, etc. Since the report was pulled, I have been contacted by several different companies, unsolicited, on my cell phone. I never gave Experian permission to use my information and now I am extremely concerned about my SSN and otherwise being shared without my knowledge or permission. I contact Experian immediately and requested my membership and all information be deleted. I am still getting calls. When I called Experian, the call center agent explicitly told me they do not share information, which seems to be a lie.
Product: Student loan

1. MOHELAXXXX did not count my temporary waiver application by saying I was not full time and another time saying I was in forbearance which my lender in XXXX told me to take instead of XXXX which would have counted my low payments since I made 60-65 % of a salary as a resident. The dates I applied were XX/XX/XXXX. That should have given me 12 more payments since graduating PT school I would have started right away knowing the benefit. 

2. MOHELA did not save the update I put in for my payments for auto debit and I had to do manual 5 days late realizing their error and tried to update but said it would take 10 days to update direct withdrawal. Odd since all my banks can process new accounts1-5 business days. 

3. MOHELA changed my payments multiple times which made no sense and no info on how my loans for undergrad and grad would be calculated to adjust for the SAVE program. 

I have called multiple times, but as a PT in a nonprofit I can not wait more than 45 minutes on hold, even though once I did for 1.25 minutes on hold.
Product: Checking or savings account

During the start of XXXX I lost my debit card at a party. Throughout the next couple of days, I go on my online banking app to see there were checks with the amount of XXXX dollars bounced under my name. I file a claim with Bank of America on the XXXX of XXXX saying that I was n't the person using that card to make those transactions. I even have proof of my attendance at my university the day of any transactions on my account. I also found a receipt of XXXX dollars through XXXX XXXX in my dorm a couple of days later with another persons name on my campus. I believe that person used my card after figuring out my pin and information to make the transactions that were made. Please help me, I need to prove that was not me who used that card to make any transaction of those amounts.
Product: Credit card or prepaid card

I have been told by XXXX XXXX, the holder of my credit card account, that the way payments are targeted is due to the TILA. I have two balances ; one at an interest rate of 22 % and a higher amount on a promotional 0 % interest rate. We pay more than the minimum due, and I am being told that the minimum amount due is targeted to the lower interest rate amount and the remaining is targeted to the higher interest rate as per the TILA. Is this true? The higher interest rate, is a lower amount, but also the oldest amount. I would like to at least split the difference 50-50, but I am being told the TILA will not allow this. Please advise and thank you! 

I initially sent this request to the Federal Reserve, but they directed me to send it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finish paying off the balance on a car, XX/XX/2019, through XXXX 's XXXX XXXX ... .Experian email me XX/XX/2019 saying that my Fico score had went up and my credit score had change for the better. Then I received another email two days later saying by credit score had decreased, so I called them to see what was going on, because I pay-off a car loan {$17000.00} The dealership already informed me that they report to two major credit agencies XXXX and Experian once I pay my car -off, So Experian is saying that a person credit score goes down, because once it shows my car loan account has closed, it reflects in a negative way I told the rep that I was speaking to that is Ludacris.. people pay -off their debts so that one 's credit score can  improve, not the opposite, but that is the explanation he gave me, as well as the supervisor I ask to speak to .The rep told me that were other things on there that decrease my credit score, which doesn't make any sense, because everything on there has already been on there ... XXXX XXXX XXXX XXXX ... has been on there for years. so my credit score should be up ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX  and XXXX   werereporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit card

I made a payment to my car insurance using the third party billing company, XXXX. The charge went through as a regular purchase with a delivery fee of {$13.00} imposed by XXXX. 
When I looked at my credit card account online ( Citibank ), I discovered the charge had been processed as a cash advance with a fee and approximately 21 % interest accruing daily. 
I immediately called Citicard who said it was the XXXX code that XXXX uses ( XXXX ) which shows the merchant is a mortgage company/non-financial institution/travelers checks. 
When I called XXXX, they said that they had processed the transaction correctly, and could not help me. 
So here I am, a consumer stuck in the middle, with no assistance in resolving my issue. 
I have made several attempts to escalate my concern at both Citibank and XXXX. I have been denied the right to speak to a supervisor on several of my calls to both XXXX and Citibank. I have never been able to speak to someone who speaks XXXX as a first language. Apparently, these people no longer exist. 
I am completely frustrated with the lack of professionalism by both companies. Today ( XX/XX/year> ) I finally got transferred to someone who, with a rather heavy accent, said he was a supervisor at Citibank, and he disconnected the call while I was speaking. Actually, what he did was to route my call back to the initial automated greeting in the middle of my question. 
Please look into the practices of both of these companies. This complaint is against Citicard Credit Cards. I am submitting a separate report on XXXX. 
I have included a screenshot of the transaction as it appears on my online Citicard account, and a copy of the email I received from XXXX explaining that the problem allegedly rests with Citicard. 
Thank you for investigating my case. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me.
Product: Checking or savings account

On XX/XX/23, I visited Ally to make a bill payment using their automated check-writing service. The website showed the bill pay service was suspended on my account. As background, I have an pending yet unrelated dispute with another company who used an expired and terminated autopay agreement to withdraw funds from my Ally account via XXXX. XXXX transactions are not related to Ally 's check-mailing bill-payment service. 

I called Ally to find out why my bill payment service was suspended and to restore it. After dealing with with an hour of holding punctuated by rude conduct from a supervisor who identified herself as XXXX XXXX, employee # XXXX, I was told that outside of revoking this pending dispute, there was nothing I could do to restore the bill pay service.
Product: Debt collection

I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.
Product: Credit card or prepaid card

On XXXX XXXX someone stole my identity. This women went into a Victoria 's Secret in Rhode Island asked the cashier to do an instore look up on my account and charged a total of {$5700.00} on my existing account. Before these fraudulent charges my account had a XXXX balance for 2 years. This women never had possession of the actual card when she made these purchases.I called Victoria secret to report this when I found out on XXXX and followed up with a letter. A few days later they sent me a fraud packet to fill out which I did and sent it back. I provided them details of the fraud charges, a copy of my police report, copy of my identity theft report, and gave them the police officers contact info to obtain a copy of the store security tapes showing it was not me who made those purchases in the store in a state 300 miles away from where i live.They are reporting the {$5700.00} charges to my credit report and it dropped my score a lot. To date they still have not resolved this issue and it 's past 2 billing cycles. When I call for a status I 'm told they must keep their investigation open for a full 90 days and that additional info is needed but refuse to tell me what else they need.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE'S AN ACCOUNT CALLED " XXXX XXXX '' HAS ME LISTED AS AN AUTHORIZED USER, HOWEVER THIS ACCOUNT DOES NOT BELONG TO ME AND I WOULD LIKE FOR IT TO BE REMOVED. ALSO THE ADDRESS XXXX XXXX XXXX XXXX, NY XXXX DOES NOT BELONG TO ME AS WELL. THIS IS AN ERROR ON MY CREDIT FILE THAT NEEDS TO BE REMOVED ASAP!