23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

CFPB, this is my second complaint to the same company and I truly need help. 

XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : United auto credit explanation To : XXXX This upload is to show that the company United auto credit committed serious fraud by reporting inaccurate information on my credit profile. I do not owed this company a dime, they sold me a lemon with the dealership that they associate with through one of their managers.

In the attachments you will see that I never made a late payments and when I called for them to pick up the vehicle due to several issues, chair stuck toward the steering wheel and doesnt want to move, hood of the car will not close, all windows stuck, I spent {$200.00} at the dealership to fix an alternator, I brought it back again to fix issues with overheating all of these issues where Pryor to making the last payment. After I made the last payment which I would have another 30 days before making another payment, they never sent anyone to pick up the vehicle, I had to make several calls in order for them to finally agree to send me an electronic form to sign and for them to come. After signing the form they still took another two weeks just so they can justify that I am late on the next payment. 
The vehicle was sold at auction for {$7900.00} and yet they are saying that I owed them {$4800.00} because the car was sold for {$3100.00}, the proof is attached of the lies as well as a form that they sent me with no late payments and the total net balance for {$3000.00} I have already made several complaint to the cfpb, the FTC and the credit bureaus are still investigating. 
Also, the company had sent me a settlement offer for {$2400.00} but I refused to pay something that is not accurate, shady, abusive and injustice practice from this company. I never made a late payment to that company and that is why XXXX offer me a car loan really fast so I can continue to go to my many doctors appointment at the VA. With good faith, I tried trading the vehicle but no dealership wanted to take it due to the issues. 
I am making much higher payments right now {$570.00} to XXXX and I am never late and no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a request to remove errors in my credit report with Transunion. They did not investigate and only sent me a letter stating that my request to remove errors looked fraudulent. However, when I filed my complaint, I provided a copy of my driver 's license and a utility bill to verify my address and name. 

After receiving their letter about fraud, I sent another request to remove incorrect information from my credit report. Transunion again sent me a letter stating that my request looked fraudulent, even though I sent my driver 's license and a utility bill again. 

I, again, filed a request to remove errors from my credit report. I have not received any further response from them.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Collection Account Pursuant to 15 U.S.C. 1692g Dear, CFPB I am writing to formally dispute the validity of a collection account appearing on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question. 

Account Information : ** Creditor Name : SANTANDER CONSUMER USA Account Number : XXXX XXXXXXXX Amount : {$10000.00} I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

4. A copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

5. Verification that the statute of limitations on this debt has not expired.

I understand that under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.

Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and your compliance with the FDCPA. 

Thank you for your cooperation. 

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

Collector is : Castle Credit Company Holding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX : I am writing concerning an account I co-signed on with my stepfather and how you are reporting this account. This was done back in XXXX. My stepfather per my credit report did not pay on this account since XX/XX/XXXX. This home was sold and a new owner in XX/XX/XXXX so I am not sure how this account was not settled and why it is still reporting open and active under my credit with 120 days late payments for the last 5 years.

I have been harassed for the last five years by this company, they call my cell phone, place of work and have been told on numerous occasions that my place of employment is not a place I may be contacted at, as I am not an office employee and have no access to speak on the phone with anyone. 

I have tried to talk to them to fix the way they report this but instead continue to report inaccurately. The only way they are willing to close this account and report correctly per my phone conversations with them, are if I pay the full amount owed by my step father. They continue to threaten to report inaccurately until I pay a balance that was settled when the home was sold, they have also refused to give me further account information unless I provide a payment. 

I need help settling this and would like for this to report accurately on all three credit bureaus. What is being done to me is illegal and unethical.
Product: Credit card or prepaid card

On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you in regards to the collection account : WAKEFIELD AND ASSOCIATES, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX currently being reported by your agency on my credit report. It has come to my attention that this collection entry is inaccurate and is in violation of the Fair Credit Reporting Act ( FCRA ). This letter serves as a formal request to cease and desist all collection activities related to the alleged debt and to remove the collection account from all three major credit reporting agencies. 

I dispute the validity of the alleged debt and deny any liability associated with it. It is my belief that this debt is incorrect or has been misrepresented. I have never received any communication or notice regarding this alleged debt, nor have I been provided with an opportunity to address or dispute it. 

In accordance with the FCRA, I am exercising my rights to request proper verification and validation of the debt in question. I hereby request that you provide the following documentation within 30 calendar days of receipt of this letter : A complete and itemized account statement, including all charges, fees, and any applicable interest. 
Proof of a valid and enforceable agreement, such as a signed contract or agreement, demonstrating that I am legally responsible for the alleged debt. 
Verification that your agency is duly licensed to collect debts in my jurisdiction. 
Until such time as the requested documentation is provided and the alleged debt is properly verified, I demand that you : Cease and desist all collection activities immediately, including reporting the alleged debt to any credit reporting agencies. 
Refrain from any further communication with me or any third parties regarding this alleged debt, except for providing the requested documentation as outlined above. 
Failure to comply with this request within the specified timeframe will leave me with no choice but to take further legal action to protect my rights under the FCRA. This may include filing complaints with relevant regulatory bodies and pursuing a civil lawsuit to seek damages for violations of the FCRA. 

I hereby request written confirmation, within 15 calendar days of receipt of this letter, that you have taken the necessary actions to address this matter. This confirmation should include : Acknowledgment of receipt of this letter. 
Assurance that all collection activities related to the alleged debt have ceased. 
Confirmation that the collection account will be removed from all three major credit reporting agencies. 
Verification that no further attempts to collect on this alleged debt will be made. 
Please be advised that any failure to comply with this request may result in legal consequences, including but not limited to actual damages, statutory damages, attorneys ' fees, and court costs. 

Thank you for your immediate attention to this matter. I expect a prompt resolution and the restoration of accurate credit reporting.
Product: Credit card or prepaid card

Several weeks ago, when I tried logging in to my account on usbank.com, it said my username was disabled and to call their phone number for assistance. I called the number the website gave and the agent said my username would work again within 72 hours. Several weeks later, the website still said my username was disabled, so I called US Bank again on XX/XX/XXXX. The agent said my username should start working again the next day. It has now been 3 days since that call and I am still unable to login to usbank.com. I have been unable to access my US Bank checking account and credit card online for several weeks now.
Product: Credit reporting or other personal consumer reports

I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX XXXX I submitted an application for a mortgage with Bank of America. Their loan officer, XXXX XXXX XXXX XXXX, collected an application fee from me ( among other fees ) and assured me we could close in " 30 to 45 days ''. It has since been 95 days and BofA has still not come to a credit decision. XXXX XXXX has made assurances to me on countless occasions that a final credit decision is eminent, but each time the bank fails to follow through. He has stated repeatedly that the underwriter is " ready to give final approval '' and that my file " meets the guidelines '' for this loan product. 

Requests for paperwork have been few and far between, but in each case, I have responded in less than 24 hours. BofA simply refuses to come to a credit decision or provide any reasonable explanation for why they refuse to do so. Complaints to managers within XXXX 's office have simply yielded more false promises, " This week, '' " Next week. '' " By XXXX today, '' " By XXXX tomorrow ''. Each time, the new deadline comes and goes without any explanation. Now 95 days into this process, I have a growing concern that BofA simply does not with to honor the rate lock they offered me at the beginning of this process, which is now substantially under market. 

Thank you for any assistance you can provide on this issue.
Product: Credit card or prepaid card

I recently got a Citi AAdvantage XXXX XXXX card and required a replacement card at the end of my first month. A fraud hold was placed on my account, and when I called Citi said they were unable to verify my identity with the phone number I provided upon my card application. I visited a Citibank branch to try and verify my account in-person, but to no avail. Finally, the branch manager was able to help get a supervisor on the phone and the fraud alert was lifted because the supervisor decided they could use my phone number as verification after all. 

However, another fraud alert was put on my account once the replacement card arrived. This time, I asked for a supervisor, who insisted that Citi could not verify me with my own phone number this time. The supervisor 's ID code was XXXX. Instead, she asked me for a family member 's phone number. I provided my mom 's phone number, and Citi was able to send her a voicemail with verification instructions. 

This is absolutely unacceptable because I am the individual cardholder and my account has no relation to my mom. It is a serious privacy concern to me that anyone could call Citi if they were friends with one of my family members and provide a family member 's phone number for card verification -- especially ironic when I myself can not verify my own account alone. I am very concerned about Citi 's ability to maintain cardholder security, and have found that the fraud department 's verification process to be extremely problematic. Allowing family to verify my account poses a great risk for fraud. Only the cardholder should be able to verify his or her account, and the cardholder should not be put through such a hassle either.
Product: Credit reporting, credit repair services, or other personal consumer reports

*XXXX REQUEST* not a duplicate request I've disputed with Transunion over 3 times. I have given them every opportunity to fix the inaccurate information on my credit report. Instead they send false letters stating they investigated when they have not. The following accounts are still errors and they are posting them every month which is against the LAW and against statute limitations XXXX XXXX closed XXXX XXXX reporting it as sold with another company with a balance. Transunion is reporting them every month as an active payment history. Well over the 180 days limitations. Illegal and I can sue them. 

XXXX XXXX- Claim it is sold to another company ( XXXX XXXX XXXX XXXX XXXX showing with a balance every month. Closed on XX/XX/XXXX. Reporting an active payment history balance every month since XXXX. THIS IS ILLEGAL and I have right to sue them. 

While they claim they have verified these accounts. They have never responded or sent me a response to my method of verification letters. 

XXXX XXXX was never given an invite to auction. Was never given a bill of sale but Transunion is continuing to post them with active negative payment history with a balance every month since XXXX. THIS IS ILLEGAL and I can sue them CFPB- you really need to check into this company and make sure they are properly doing there job per E-OSCAR and Metro 2. As they are not. These errors have been on here for years!
Product: Checking or savings account

XX/XX/XXXX : Found a Huntington checking account promotion online offering {$150.00} to open their Asterick-Free Checking account. Screenshot of offer is attached below. I opened the account on XX/XX/XXXX by clicking the Apply Online button on their promotion page.

Offer Details : 1. Open account by XX/XX/XXXX. I did that on XX/XX/XXXX. 2. Make deposits of {$1000.00} within 60 days and keep account open for at least 90 days. I had a payroll deposit on XX/XX/XXXX of {$2300.00} so fulfilled that requirement as well. XXXX. {$150.00} will be deposited within 14 days of meeting requirements. This never happened. 

Week of XX/XX/XXXX : I made numerous inquiries both online chat and phone asking why the bonus was not there. 
XX/XX/XXXX : I reached a supervisor named XXXX. I explained the situation, she said there was no promotional code attached to my account. I let her know that there was no code to enter, that you simply click the Apply Online button. She said yes, that's right because it's an online account. I emailed her a screenshot of the promotion to her email provided which she said she received XXXX. She said she'd submit the request to have the {$150.00} deposited within 24-48 hours on XX/XX/XXXX. She said she'd call me back on XX/XX/XXXX if there were any issues. I never heard from her and the {$150.00} was never deposited. Today it's XX/XX/XXXX, and she isn't responding to emails. I've emailed her 6 times. Nothing and no response in my bank account messages, calls, voicemails, emails, nothing saying what happened to the {$150.00} request. I can only assume that Huntington is sticking to the " no code was entered '' line which is not accurate and I am afraid it's happening to me and more people for them to get people to sign up for accounts and avoid paying the promised promotional bonus.
Product: Student loan

I can no longer access my account information with XXXX  but I would like to see if I was put into forbearance incorrectly. I would also like to know why my loans were not forgiven due to fraudulent school ( XXXX XXXX  ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report I do not recognize
Product: Student loan

MOHELA failure to process {$3000.00} refund requested XXXX. It is now month 9 MOHELA has failed to process and provide documented proof of submission. MOHELA response to prior CFPB complaint XXXX regarding this matter on XXXX of " Our records indicate that a {$3000.00} refund was processed on XX/XX/year>. Please allow approximately 90 days for your refund to be issued by the U.S. Department of Treasury. '' is rejected. MOHELA has failed to supply documented proof this was sent to the U.S Department of Treasury on XXXX along with how the refund will be received. MOHELA has continually lied and deceived myself and borrowers. Only documentation proving the refund was submitted to US Department of Treasury will be accepted. MOHELA 's word has proven to be nothing but lie after lie time and time again. I want documented proof ( record showing ) that MOHELA has infact submitted my {$3000.00} refund on XXXX. No response or " escalation '' will be accepted as a response to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a dispute with Experian Credit Bureau and XXXX XXXX, with regards to removing a collection agency named, XXXXXXXX XXXX XXXXXXXX. The account they are trying to collect a debt with is closed and XXXXXXXX XXXX XXXX does not have a license to collect a debt in the state of New Jersey. 

This collection agency has a license to collect a debt in 13 states and NJ is not one of them. This is against The Debt collection law guidelines in NJ.

I have recently submitted another request to remove this debt with Experian and XXXX XXXX once again. I would like this collection account removed from my report, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to an Auto Loan with XXXX  XXXX XXXX. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX Bill Pay. I pay 90 % of my bills through Bill Pay and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

XXXX  XXXX XXXX has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think XXXX XXXX   XXXX is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that XXXX XXXX XXXX is ruining my credit and I want XXXX XXXX XXXX to correct my file immediately. I will NEVER deal with XXXX  XXXX XXXX again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.
Product: Debt collection

On XX/XX/year> I filed a Petition for Bankruptcy in the XXXX XXXX XXXX New York. On XX/XX/year> the discharge of indebtedness was granted. At that time the mortgage debt was discharged. Since 2021 I have received 100 's of communications from Mr. Cooper. Mr. Cooper still states there communications are an attempt to collect a debt. This is in violation of TCPA the The Fair Debt Collections Practices Act. I have asked Mr. Cooper to discontinue the contact on a number of occasions, and Mr. Cooper continues to attempt to collect a debt from me. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate reporting by TORRID Credit Card, which has persisted despite my repeated attempts to resolve it directly with the company. 

In XX/XX/XXXX, I noticed a remark on my TORRID Credit Card account stating that I was 30 days late in XXXX of XXXX, despite having a {$0.00} balance during that period. This discrepancy was alarming, especially considering that I had diligently attempted to set up auto-payments through TORRID 's online system, only to find that the system did not save the settings. Even when I called customer service, representatives were unable to rectify the issue, and the auto-pay settings could not be saved. 

The representative confirmed that I had no outstanding balance, yet TORRID continues to refuse to remove this remark, despite my impeccable payment history. 

Despite my persistent efforts, including weekly phone calls and messages, TORRID has not responded or taken any action to resolve this matter. This inaccurate reporting not only tarnishes my credit history but also undermines my financial credibility, despite my consistent and reliable payment record. 

The inability of TORRID Credit Card to rectify this issue is deeply concerning, and I believe it constitutes a violation of consumer rights and fair credit reporting practices. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter and ensure that TORRID Credit Card promptly rectifies the inaccurate reporting. 

Thank you for your attention to this matter.