23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX of XXXX, I missed payments to FedLoan. Throughout XXXX, my payments were {$0.00}. I was unaware I needed to submit a new income form in order for my payments to be recalculated. In XXXX of XXXX, I was emailed from a credit monitoring company saying I had missed 45 payments ( 15 loans missed for 3 months ) and my credit had been drastically impacted. When I called FedLoan, they stated they tried to call me XXXX on a phone number that was changed 3 years previously & the new number was on all loan documentation ) and that they tried to email me ( but customer service said they could not see the actual email & upon checking my junk mail and trash there was nothing ). They did not attempt to send me anything in the mail. They broke the law by not informing me I had payments due and it has destroyed my credit for years. I hired a law firm to fight it, have filed multiple disputes with credit companies, and every customer service person through fedloan has agreed that I should file a complaint explaining the loans were fixed once I called & explained the situation. But it has not been taken off of my credit. I filed three internal credit appeals with FedLoan, countless appeals through XXXX XXXX & XXXX to no avail. I paid over {$1000.00} for XXXX XXXX to file appeals to FedLoan over the course of at least a year to no avail. As a last resort, I faxed a letter of good faith a few weeks ago explaining the situation & was again denied by FedLoan. They broke the law by not contacting me.
Product: Credit card or prepaid card

On: Wednesday XX/XX/XXXX, I received an E-Mail from: Synchrony Bank, letting me know that $XXXX  of my Minimum Payment Due to them, for my CareCredit Account, was never Credited to Synchrony Bank, by: XXXX XXXX XXXX, which they have already took care of my Minimum Payment Due, to: Synchrony Bank already, and is reflected that Payment, on my Bank Statement that I received by: Synchrony Bank already, as a Credit to my Account with: CareCredit.
Product: Mortgage

XX/XX/XXXX - letter from XXXX indicating that mortgage was paid in full. 

XX/XX/XXXX - Demographics printout ( showing a balance of {$0.00} ) and Real Estate Insurance received with Mortgage Interest Statements from XXXX and XXXX that show 2 totally different account numbers. 

XX/XX/XXXX - letter from Mr. Cooper stating that there was a Unpaid principal balance of {$73000.00}. 

XX/XX/XXXX - letter from XXXX XXXX XXXX stating that we signed a Equity Line of Credit Agreement with a rate of 9.250 % that was later lowered to 5.02 %. We did not sign these documents. 

XX/XX/XXXX - letter from Mr. Cooper stating that the loan is still active with a balance of {$74000.00} and they were unable to complete a Release of Lien.

Deed to our home seems to have been stolen ( we have copy of original deed and the second deed does not have signature of Clerk of Court on copy sent to us
Product: Consumer Loan

My name is XXXX XXXX and I current, y have a major issue with the Credit Reporting being done by Santander USA. I currently opened met loan with them in XXXX. Since then myself and my husband have only had XXXX ( XXXX ) late payment being reported as of XXXX. At that time I truly was n't 100 % sure it should have been reported because I truly paid it on the XXXX, which would be 30 days not 31 days. Now that I have disputed that late reporting, for XXXX there now stating they have found more. Since, they want the best thing for my interest the are not going to add the additional payments. My dispute I have is I call in number out days prior to making my payments, and also ask the Customer Service rep to please confirm my payment will not be late. Now there coming back with all this false data. Any other type of loan I have you can still pay on the date your payment is due prior to cut off time for the company.. Can you please tell me who I can speak to in regards to getting assistance with this matter.. I am in the process of refinancing my home and this is a major impact that they have been reporting incorrectly as well as updating the bureaus incorrectly. I have proof of that as well ... I want to know how can a creditor report you late on the XXXX day and give Customers 30 full days. They are not following the full statement from the Credit Breau ... Now they want to threat me that if I continue to question them they will add all incorrect information that had previously reported correctly ... 

Can someone please call me first thing tomorrow @ XXXX this is very urgent. 
Thank, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one card inquires on XX/XX/XXXX and XX/XX/XXXX XXXX card inquiries on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX   inquiry on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm an identity theft victim. The accounts on my ChexSystems report are unfamiliar, and I never dealt with the mentioned banks. I'm addressing XXXX XXXX XXXX  claim of an account I don't have. With numerous inaccuracies on my ChexSystems report, it's evident I'm an identity theft victim. It's frustrating to see things on my report that aren't mine.
Product: Debt or credit management

the credit card companies could not provide me with statements or payment history when i contacted them by phone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation EXXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

The ATMs at my local Citibank - XXXX XXXX XXXX, XXXX XXXX, NY XXXX never work. Everytime I go to deposit a check, I have to check at least XXXX atms. There were a few times when I had to go to the teller and they were not able to help me out because the systems were down. In addition, the hours of operation the surround branches is impractical, they all close at XXXX and I know many people are not able to make it to the bank at that time! I am afraid that one day when I am not able to deposit money into the account and I do not have enough balance I will be charged the unnecessary over-draft fees.
Product: Mortgage

The Mortgage company told me that I can catch up my mortgage if I pay XXXX. They said to give the XXXX and pay the remaining balance at the end of the month. I send the XXXX from a local XXXX store thru XXXX wire service on the XXXXXXXX XXXX XXXXXXXX. THe mortgage company received the payment but claimed that they sent the payment back because it was short. they said to send the money back to them with the remaining balance. which was not what we agreed on. I go back to XXXX to request for my XXXX payment and the transfer service said that the money was never sent back or rejected by PHH Mortgage and the mortgage comppany is asking me to send them another XXXX or my house will foreclose. My money is gone thatbI sent them or no where to be found. and it was the mortgage companies fault. Please help. XXXX a XXXX XXXX XXXX man on a fixed income. What dhould I do? Please help. Ps mortgage got behind because of XXXX and XXXX plus well issues with my house.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> CAPITAL XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

Issue : National Credit Systems is incorrectly reporting a collection account ( C ) on my credit report every month from XX/XX/2024 to XX/XX/2024, without a change in the status of the debt. 
Laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a collection account once, when the account is initially deemed uncollectible. 
XXXX XXXX XXXX XXXX : A creditor can not report a collection account every month, only when there is a change in the status of the debt. 
Violations : National Credit Systems reported a collection account ( C ) every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt, violating FCRA - 15 U.S.C. 1681c ( a ) and XXXX XXXX XXXX XXXX. 
National Credit Systems failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. 
Damages : Harm to my credit score Emotional distress Loss of credit opportunities Supporting Documentation : A copy of my credit report showing the inaccurate reporting Additional Information : National Credit Systems ' reporting of a collection account every month from XX/XX/2024 to XX/XX/2024 without a change in the status of the debt is a clear violation of the FCRA and XXXX XXXX guidelines. 
I request that the CFPB take immediate action to correct the errors and hold National Credit Systems accountable for their actions. 
Relief Sought : Correction of the errors on my credit report Damages for the harm caused by National Credit Systems ' inaccurate reporting Penalties for National Credit Systems ' violations of the FCRA and XXXX XXXX guidelines
Product: Checking or savings account

I am a customer of Capital One bank. My direct deposit is missing. Customer service has provided no ETA. This is in violation of Regulation CC. I demand release and access to my direct deposited pay check. 

Capital Ones excuse is vague and they are pointing a finger at a third party for the issue. Why are there no controls in place to avoid this from occurring. Issue began on Wednesday XX/XX/XXXX. It is now Friday XX/XX/XXXX. Customer services response today at XXXX EST is that they will hopefully have this fixed today
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Ive called ( XXXX  ) credit reporting agency.. well as ( Equifax ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Product: Debt collection

I was notified by your company XX/XX/year> regarding an alleged debt. 

Reference number : XXXX I have reason to believe I do not owe this debt because I never had a contract with this store or account with this store. 

I request all of the following information be provided to me by mail : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

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

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX, XXXX, and equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAXIMUM possible ACCURACY of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) PROMPTLY notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

ALSO - referencing the last activity dates vs closure dates vs the last updated dates vs amounts owed in same month says {$0.00} balance and {$13.00} balance I owe {$0.00} on this account. Also I did not request this account to be closed. The account closed because the company filed bankruptcy and had to close and sent an email which I will attach both my documents of proof to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have 4 hard inquiries on my credit report t without my authorize. The company name and dates on my credit report are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : 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 'm actually the third party in this case. 

I received a call and a voicemail from XXXX LTD Financial. She identified herself and the company as a debt collector and asked me to provide call her back at XXXX XXXX XXXX XXXX and provide a certain reference number. 

I called back and never identified myself. I provided the reference number to XXXX and asked who she was trying to reach. She gave me the name of someone who is not me and I said that I verified that I was not that person, then she read back the reference number incorrectly, and I corrected the reference number and she gave me a second name. This was not me either. She asked if I knew the person and to tell them to call her. 

It seems wrong that they could be telling me or anyone else that someone else is behind on their debts based on mistaken contact information. If I 'm not mistaken this is also illegal under the FDCPA.
Product: Student loan

Navient reported my account XXXX days delinquent when it was NOT, I have been having my bank account debited since XX/XX/XXXX almost {$800.00} a month. My account has not been updated since speaking with Navient In XXXX, when they promised to fix it. Today, a Supervisor apologized and stated that it took them a few days more than expected which caused my account to report as delinquent and to give it XXXX more days to correct itself in the system, This NOT ACCEPTABLE as it has caused my credit score to drastically drop and I have been denied credit for purchases.
Product: Debt collection

I got a phone call ( not for me  XXXX  from  Midland Credit Management to day  (   XXXX / XXXX /  XXXX  ,  XXXX   )  on my home telephone number. This was not the first time they 've called. They were willing to give me their name and phone number but when I asked repeatedly for their mailing address they refused citing that they wouldnt because, " I hadnt answered any of their questions. '' I, admittedly, started to get angry and demanded to speak to a supervisor. I asked them if they were a debt collector calling in an attempt to collect a debt - refused to answer. Asked repeatedly for the mailing address - initially they refused to answer ; they only gave it after I threatened to take them to court ( I did finally get the address ). Initially I just wanted the supervisor to apologize for his subordinates actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on Equifax need to be removed. The tradeline must be removed from XXXX, XXXX and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion Credit Bureau back on XX/XX/2018, to dispute the following unauthorized inquiries that are showing on my recent report I pulled from XXXX XXXX .XXXX The agent on the phone was rude and would not assist in my request. List of the inquires are the following : XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX   XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX XXXX   XX/XX/2018 TRANSUNION XXXX XXXX XXXX via XXXX IXXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/2018 TRANSUNION XXXX XXXX via XXXX XXXX XXXX XX/XX/2018 TRANSUNION
Product: Checking or savings account

I opened a Capital One money market account in early XX/XX/2018 in response to an offer in which they promised {$500.00} if I used offer code OFFER500 and made at least {$50000.00} in deposits between XX/XX/XXXX and XX/XX/XXXX. I deposited over {$50000.00} during this period and had met all terms of the offer on XX/XX/XXXX.

For your reference, these were the complete terms of the offer, available here : XXXX XXXX XXXX XXXX XXXX  " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX   on XX/XX/2018. When you open your account, enter your promotional codeOFFER500. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/2016, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account.

When will I actually get my bonus? Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. If your account is in default, closed, or suspended, or otherwise not in good standing, you will not receive the bonus. '' I had met all the requirements that Capital One had listed on XX/XX/XXXX, and should have been credited the {$500.00} by XX/XX/XXXX, but Capital One did not award the bonus. I spoke with a manager at Capital One subsequently and he insisted that my account would be denied the bonus because, according to him, the offer included minimum balance requirements and not {$50000.00} in deposits but rather " {$50000.00} in 'net ' deposits. '' The terms of the offer are unambiguous and do not include anything about " net '' deposits or minimum balance requirements, simply that I make over {$50000.00} in deposits within the time frame, which I did. The terms say " deposit at least {$50000.00} between XXXX XXXX XXXX on XX/XX/2018, and XXXX XXXX XXXX on XX/XX/2018. '' It is really unfair for the bank to invent new conditions after the fact that were never part of the fine print that I agreed to when I opened the account. Capital One is trying to pull a bait & switch and change the terms of their contract. I met all the terms that the offer listed ; it is outrageous that the bank can try to make up new conditions that were never part of our agreement.
Product: Debt collection

This debt is not mine Midland funding states that I owe them {$4200.00}. I never set up an account with XXXX XXXX Bank. Please call them and have it removed from my XXXX and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Auto reported to ( XXXX, XXXX, XXXX ) the credit reporting agencies a 30 day late for the month of XXXX. My XXXX payment is not 30days late until XX/XX/XXXX. I believe that Chase 's reporting system/model is fraudulent at best. It's misleading to lenders, creditors, potential employers, and me when attempting to gage my credit worthiness. Nevertheless, the payment was made on XX/XX/XXXX. So it'd be impossible for XXXX XXXX  payment to be late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now past the allotted time for them to respond since I sent this notice and I still haven't gotten an updated response from the agency. The first response I received from them said that the company who they obtained the information from ( XXXX XXXX ) verified the information. I contacted XXXX XXXX and they said it is impossible for them to have verified the information because it doesn't exist on my account! 

Obviously the credit reporting company couldn't have investigated the way they say they did or they would not have come up with the false conclusion. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit reporting or other personal consumer reports

These unauthorized inquiries are not authorized and I want them deleted from my XXXX  and XXXX reports.
Product: Debt collection

Wells Fargo Had Already sent me a letter stating that this amount was not owed and had been removed from my Credit report. XXXX XXXX XXXX continues to add this debt to my credit report and send me letters attempting to collect the amount listed on the letter. I currently do not bank with wells fargo. The amount XXXX is trying to collect was in regards to overdraft fees which Wells Fargo had already been court ordered to remove from any accounts. This is not the first time I report this business for the exact same thing.