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

I opened both a checking and savings account on XX/XX/23. I was supposed to receive two {$300.00} promotion monies One for each account. I received a card in the mail. I wasnt explained at the time of opening my account that on XX/XX/23 the money had to be in the savings account that day. It was only missing for a few days as it was needed to pay a bill. I was also given a visa debit card which I didnt ask for. They somehow pulled my property value and mortgage balance by public records Im sure. I was being offered a home equity loan. Remember I wasnt there for a debit XXXX card or equity loan. I have called so many times. I have it all documented. I was told the terms were on the card I received in the mail. I needed a magnifying glass to see the extremely small print. I feel that I was mislead by their deceptive sales practices. I will be XXXX on XX/XX/XXXX. I also feel I was discriminated for my age. Their customer service rep that Ive spoken to on the phone several times was so rude and condescending. She says have a great day when I was so upset. As a XXXX  Id like to help others as well as myself. I was given the {$300.00} for opening my checking account However I wasnt given the other {$300.00} for opening my savings account. If the sales representative explained the rules correctly I would have received the additional {$300.00}. I am most upset with them trying to push me into opening up an equity loan. I just want my {$300.00} as promised. All the money is in my account. I have been treated so rudely my Citizens Bank customer service line. Deceptive sales practices from big banks are especially confusing to most seniors. This has been such a terrible experience. I was ignored since XX/XX/XXXX until this week when I emailed the bank manager where I opened my account that I was sending a letter to the Banking Commissioner in XXXX. Which I did. They gave me your information since Citizens bank isnt chartered in Massachusetts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  account number XXXX, XXXX, XXXX has violated my rights.

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C 1681 Section 602 A, Section 2, I also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Request to Remove Charge-Off from Credit Report I am writing to request the removal of a charge-off from my credit report, as it was reported in error. The account in question was XXXX XXXX with Apple card XXXX Goldman Sachs XXXX XXXX and I have obtained a letter from them stating that the charge-off was a mistake due to an error in my name. 

The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies ensure the accuracy and fairness of credit reports. Pursuant to 15 U.S.C. 1681i ( a ), I am requesting that you investigate this matter and remove the charge-off from my credit report. 

The details of the error are as follows : * Account Name : XXXX XXXX * Company Name : Apple card ( Goldman Sachs XXXX XXXX Error 1 : CHARGE-OFF REPORT DUE TO INCORRECT INFORMATION ( LAST NAME SPELL WRONGLY ONTILL I DISPUTED ) * Error XXXX : INCORRECT REPORT FOR THE MONTH OF XXXX ( I PAID OFF ALL CHARGE OFF XX/XX/XXXX ) * Error 3 : INACCURANT REPORT TO THE THREE BUREAU 'S ( SHOWING LAST PAYMENT WITH DIFFERENT DATE AND INACCURANT REPORT WITH SOME REPORT HAVING NO CHARGE-OFF HISTORY WHILE OTHERS HAVE HISTORY ) - Supporting Documentation : Enclosed is a letter from Apple card ( Goldman Sachs ) XXXXonfirming the error and correction after dispute.

I would appreciate it if you could expedite this matter and remove the charge-off from my credit report as soon as possible. Please confirm in writing once the correction has been made. 

Thanks, XXXX
Product: Debt collection

Credence resource management XXXX Refused to withdraw my debt authorized consent stating why would I want to burden my husbands credit. and I as his wife should be aware that 's what I would be doing that to him if I do n't agree to the terms of non payment of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX  XXXX & XXXX XXXX XXXX
Product: Vehicle loan or lease

I gave  XXXX  cash and then I traded in my car so total of  XXXX  to purchase me a vehical but apparently the vehicle broke down with  in 2 we eks on driving the SUV I went up there to the car place were I purchase it from which is the city of  XXXX  California talking to the lady who said I was APPROVE but I still had to put down a payment which was th  XXXX  so she was n't trying to help me than she said call the place who approve my loan which was  Lincoln finance  company in  XXXX   XXXX  California I spoke to  XXXX  which he requested me yo send proof that the car was messed up and how much he will see if he can help me well 1 month go by than mon th 2  came and he told me there is nothing he could do about while after a long wait in the mean time I had no money back are a vehicle for me and my  XXXX  children they knew my situation but apparently did n't care long story short he do n't work for the company no more wow such a mind blower so I go back to the dealer because everyone was giving me a run around from the dealer to the fiance company the lady at dealer said she will only give me  XXXX  back but not cash so I told her no I do n't want another vehicle from you guys I need all my money she said no I will give you another vehicle her name is  XXXX  well she was n't trying to work with me my children was missing school due to the problem so I filed a complaint still no results so I feel this should be removed from my credit report as soon as possible now this whole situation was unfair to me and my children for them ripping me off but yet still sending me letter by mail I will not pay them anything at all because it was there fought and I gave them the vehicle back
Product: Credit reporting

I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error, and my browser indicated there might be fraud alert. I tried this twice and got the same result. 

I submitted a contact form via the Annual Credit Report website, however there is no way to confirm resolution. I would like a copy of my free annual credit report from TransUnion as well as confirmation that there is no fraudulent activity on my report. 

Thank you!
Product: Credit card

On XX/XX/XXXX XXXX made a purchase to XXXX XXXX, for the amount of {$72.00} through PayPal establishment, in which I have yet to receive, I have reported this to PayPal, on XX/XX/year>,, and a representative explained to me that I had to wait for 5 days, to reach out to clothing company for a response..its well over the 5 days, so I went back to check the tracking afterwards, and it was a message in red texts stating that this order WILL NOT BE DELIVERED DUE TO THE UNPAID POSTAGE, to reach my address, i then called PayPal again, and I was told that I have to wait, even though its a clear cut case. To be closed, this PayPal company refused to give me a refund, I only decided to go with this company because of the buyer protections clause they offer, I did send this company a picture of the notification of no order being delivered, and they refuse to Refund me on this issue, I as a customer and buyer tried to solve on my own, my gratitude on any assistance you can intervene to help me, cause they refuse, thank you sincerely yours, XXXX XXXX
Product: Debt collection

SOURCE RECEIVABLES M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Is attempting to extort a debt that has already been deemed as fraudulent. They purchased the information around the same time as it was resolved with original Company XXXX. I am a victim of idenity theft and am dealing with multiple versions from data breaches to family stealing my information. The debt buyer stated above have Interrorgated me and harrassed me on every statement I made about who stole my identity and, how, and why didnt you report it, yet I did and am doing so again now. 
They did not contact me prior to adding a bad debt to my credit which is another violation of my rights and have not provided any validity to this debt as requested in certified return reciept mail I had sent the date I noticed the debt on my credit reports. 
I want this XXXX  account removed from all 3 credit bureaus immediately, as I am well within my rights to seek damages for my score being drastically lowered due to their negligence and unfair debt collection practices. I will not pay for a debt that is not mine.
Product: Payday loan, title loan, or personal loan

I have evidence Lightstream/Truist Financial Corporation ( `` Creditor '' ) received payment-in-full from the XXXX XXXX and XXXX XXXX ( `` Principals '' ) in the form of a promissory note which is the enclosed Contract, a negotiable instrument according to UCC 3-104 and can be accepted as a deposit to the Creditors bank account in exchange for credits according to 12 USC 1813 ( l ). Also, since the Contract included a promise to pay the Finance Charge, the Creditor has also already received the Finance Charge in full in the form of credits exchanged for the promissory note. This is only possible because the promissory note is evidence of debt and is secured by direct obligations of the United States according to 12 USC 347c. The Creditor used the promissory note to receive credits from the US Treasury in the same way banks receive a US dollar bill, which is also evidence of debt, in exchange for credits to a bank account. 

Although the Creditor has already received payment-in-full from the Principals through the promissory note, the Creditor willfully and knowingly created false and misleading invoices mailed to the Principals in order to receive additional payments from the Principals. 15 USC 1605 clearly states the Finance Charge is the sum of all charges in connection with a consumer credit transaction. Since the Creditor created charges in addition to the Finance Charge they already received, this is a violation of 15 USC 1605 and the Creditor is subject to civil liability pursuant to 15 USC 1640 and criminal liability pursuant to 15 USC 1611.

In regard to the principal balance shown in Principals online access ( viewable document not provided because Creditor has not made one available ), it is presented to the Principals as a remaining amount owed by the Principals to the Creditor. The principal balance is actually a credit balance owed by the Creditor to the Principal. This is evident from the Creditor having to adhere to the Generally Accepted Accounting Principles ( GAAP ) pursuant to 12 USC 1831n ( a ) ( 2 ) ( A ) since they received the promissory note as an asset on their books. To legally offset the asset ( promissory note ) received from the Principals, the Creditor securitized the promissory note by creating a liability owed to the Principals in the form of a debt instrument/bond. Therefore, the principal balance belongs to the Principals. According to 15 USC 1666d, the Creditor should have credited the credit balance to the Principals account, refunded to the Principal upon the Principals request and made a good faith effort to refund the remaining credit balance to the Principal by cash, check, or money order. Since the Creditor did not act according to 15 USC 1666d, they instead fraudulently attempted to receive additional payments from the Principals. As a result, the economic effect of the Creditors actions is similar to counterfeiting, swindling and stealing from the Principals.
Product: Debt collection

I noticed when checking my credit report that I have a collection from LVNV Funding I reached out to them asking what this was for, I have attempted to contact them via the mail to get documentation that this account is mine and what they are collecting for? 

I got no responses at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently disputed information on my credit report with this company due to identity theft, they are not removing items that are not mine. I provided a police report and informed them my information was compromised.
Product: Checking or savings account

On XX/XX/2024, my account balance closed at a negative amount {$140.00} due to 5 transactions that went through that day for which I did not have a sufficient amount in my checking account to cover. On XX/XX/XXXX XXXX XXXX XXXX, I deposited {$190.00} to rectify the {$140.00} overdrawn amount from the prior day. According to your piece of mind policy, I was expecting to see the {$170.00} overdraft fee refunded to my account on XX/XX/XXXX, and it was not. I contacted customer service and was told that due to other transactions that went through on XX/XX/XXXX, my account even though I made the deposit to cover the prior day 's overage by your piece of mind policy, I can not be refunded the {$170.00} overdraft fees. So your peace of mind policy is a disingenuous attempt of giving your customers any piece of mind. In fact, it is fraudulent and misleads your customers by being touted as an incentive to do banking with Citizens. this peace of mind is proudly displayed at any branch location I have visited. The transactions that went through on XX/XX/XXXX should then be subjected to that same policy for your peace of mind policy to be genuine. I should not have had to cover the amount of the overage from the prior day plus cover the amount from that day 's transactions to be eligible for the refund of the {$170.00} overdraft fees, in this case, from the prior day. To be truly authentic, those transactions that went through that day should need to be covered by the following day by XXXX XXXX. I should not have my eligibility to be refunded the overdraft from the prior day be voided because I had additional transactions go through that day. Those transactions should be under the same peace of mind policy. Therefore those transactions should need to have their amount covered the following day by XXXXXXXX XXXX which I have already done today for it to be a policy that truly is a benefit to your customers.
Product: Student loan

Navient is not applying payments that are made to my account. I am regularly incurring late fees and am afraid my credit is being affected as some payments go over XXXX days before reaching a resolution. I have once paid my payment, including large fees, via phone because I received late-payment calls only for my on-time payment to be applied a few days later.
Product: Credit reporting or other personal consumer reports

On XXXX I received an email stating that my credit usage had increased, and I could log on to see. When I attempted to log on, I received error message that experian could not show me my credit report because other agencies had different information than them. I tried to call but the number would not allow me to speak to an agent or anything. After verifying my identity, I asked to be transferred to a live agent, but the automated system said they only could transfer in special occasions that I could end the call. Experian is reporting inaccurate information on my credit report, and they will not answer the phone.
Product: Debt collection

Portfolio Recovery  Associates ( PRA )  has made numerous harassing calls and sent out threatening letters. They have failed to provide proof of my debt owed and leave messages on different family members voicemail when they should not be calling me at all. I claimed bankruptcy back in   XXXX   and have not made any bills since then so they have no reason to be calling me anyways. They have harassed me relentlessly.They have violated many laws under the Fair Debt Collection Practices Act ( FDCPA ), : Contact anybody who is not the main person that owes the debt Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat Contact you at your employers office if you tell them not to to my knowledge, I do not owe them money and have asked them to provide proof of what I owe. They have failed to do so.   The numbers that call repeatedly are :  XXXX ,  XXXX ,  XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> I contacted XXXX via CFPB portal complaint ( XXXX ) to notify the XXXX and Pentagon Federal Credit Union that PENTAGON FEDERAL CR UN ( XXXX ) was reporting inaccurate, incomplete, and outdated information on my credit report. I requested a re-investigation according to 15 U.S.C 1681i. Not only did XXXX and Pentagon Federal Credit Union fail to verify the reporting and/or update the report, they failed to remove the account from my credit report. 
XX/XX/year>. I received a response back from XXXX regarding the mentioned account PENTAGON FEDERAL CR UN ( XXXX ). In XXXX 's response they indicated that the account had been removed as a resolution. I pulled my recent report via XXXX XXXX and saw that the account still remained on my credit report and was still reporting inaccurate, incomplete, and outdated information. I contacted XXXX via phone and the agent I spoke with refused to remove the account ; although, XXXX had claimed to had removed per their response via CFPB portal complaint. ( Please see attachments ).
Product: Mortgage

My escrow account was over funded and on my XX/XX/XXXX statement the mortgage company confirmed that on XXXX issued a refund check of {$4700.00} but I never recorded the check. I called the mortgage company many times they said that on XX/XX/XXXX they re-issued the check but I still didnt receive it. I have recieved other correspondence from the mortgage company and they have my correct mailing address but I am not getting this check. 

I offered them they should send me the refund by XXXX or wire but they dont have that option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three different self lender reports showing on my report. But there is one from XXXX  i have no idea about and its reporting i was late to one bureau and nothing to the others
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit card

I am trying to make a credit card payment with my Kohl 's Credit Card. However, the account information saved in Kohl 's for making such payments is closed. I am not able to provide updated account information in Kohls, there is not an option to update, change or delete an account used for payments. 

I called today to speak with a Kohl 's representative, and, he was no help in assisting with this matter. All the rep did was read to me my account information, such as balance and amount currently due. He did NOT listen to the problem I was communicating. 

The account used for making payments on my Kohl 's Credit Card is closed. I want to add a new one for making payments. Kohl 's does not allow a feature that lets me make these changes. 

I need help with this, because, I am not able to make payments on the credit card.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof fXXXX  XXXX that this a fraudulent account.
Product: Mortgage

I was tricked into Wells Fargo 's mortgage program. My mortgage officer over-promised on discounts but can't keep her promises. Most importantly she didn't lock in my rate intentionally. She had more 14 days to lock in my rate after receiving the executed contract but she didn't do it. Now my interest rate has gone up from 2.875 % to 3.125 % and that I have to pay more on my mortgage. If I want to have my interest rate at 2.875 %, I have to come up with more money to buy more points. My closing date is approaching on XX/XX/XXXX and I don't have time to find a new lender as my apartment lease is also about to end. I don't know what to do?