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

I opened a " Premier Checking " account with Webster bank in XX/XX/XXXX with promo code " XX/XX/XXXXPremier {$350.00} '' for {$350.00} sign up bonus. 
Upon inquiring about the bonus status I was told on Date XX/XX/XXXX via Secure message " Thank you for your recent email to Webster Online Services regarding a promotional credit.We have reviewed your account and show that it was opened under our XX/XX/XXXX-XX/XX/XXXXPremier {$350.00}  promotion. We have confirmed that you have qualified for the promotional credit by maintaining an average balance of {$10000.00} or more during the month ending XX/XX/XXXX.Your account will be credited the {$350.00} promotional credit on XX/XX/XXXX, as long as the account is still a Premier Checking account at that time, and is in good standing on that date. This means that the account must have a positive balance and not in the process of being closed.If you have any additional questions or comments please contact us through www.websteronline.com or call us directly at XXXX, 24 hours a day, 7 days a week.Thanks again for your email and for allowing Webster to serve your banking needs.Sincerely, XXXX XXXX.Customer Service '' HOWEVER THE ACCOUNT WAS N'T CREDITED AS PROMISED. 

Upon second inquiry via secure message now I am being told that there is no estimated date for crediting the account. 

This is clearly in contrast with the first information via secure message. 

I would like to file a complaint for this misleading information and would like to request that my account is credited {$350.00} at the earliest as promised. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I received an email from XXXX  XXXX XXXX, XXXX  XXXX  that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the XXXX, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to XXXX  XXXX   about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically. 

I have disputed this information several times through the credit bureau. Last year XXXX  XXXX XXXX, XXXX responded to my complaint but it had some inconsistencies with the my statements and dates. XXXX  has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP. 
I will be willing to have a no information found or reported but the late payment status is not justified. 
All documents proving these statements are attached. 
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

FED Loan is showing me missing payments after I had applied and was approved for a forebearance and was told that once it was submitted, complete then my payments for those accounts would be corrected. It is showing as missed even though I had been approved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an issue of utmost importance concerning the unauthorized release of my student loan information by XXXX XXXX to third-party credit bureaus Trans Union XXXX XXXX, and XXXX. This act not only constitutes a blatant violation of the Family Educational Rights and Privacy Act ( FERPA ) of 1974 but also a breach of Title 20 U.S.C. Section 1232g ( b ). I obtained a copy of my credit report which included entries reflecting student loan information that should have been protected under FERPA. XXXX XXXX, disclosed my personal student loan data to the aforementioned credit bureaus, which is a clear breach of my rights as a student under FERPA. This release of information has had a significantly negative impact on my creditworthiness and financial standing. 

FERPA, enacted in 1974, protects the privacy of student education records, including financial aid records. Title 20 U.S.C. Section 1232g ( b ), known as the " Buckley Amendment, '' explicitly prohibits the disclosure of these records.
Product: Credit card

On XX/XX/2016 I purchased a laptop computer as a birthday present for my grandson from Amazon.com. There was a note on the page that 12 months interest free financing was available on the page with the laptop. I clicked the link and in very large type there was a promotion for 12 months interest free financing on an Amazon branded credit card. I applied for the card and made the purchase because of this offer. When my first bill arrived there was an interest charge and an annual percentage rate of 26.49 %. I called the bank and was referred back to Amazon. After speaking with numerous people at Amazon I was told that I did n't sign up for the offer of interest free financing at checkout. I never saw where this was necessary and they have refused to remove these outrageous finance charges. I feel that this is at best misrepresentation and at worst consumer fraud.
Product: Money transfer, virtual currency, or money service

Venmo is freezing money that was intended for me and is in my account. My account has been frozen twice. First time I talked to an agent and, while on the phone, uploaded an ID as he requested. He confirmed receiving it and confirmed the ID. The account was unlocked until I received funds. Then they locked it again. Same reason given. My ID is fine, was confirmed fine and they have a copy. They need to not hold up money intended for me.
Product: Mortgage

I have attempted to file a credit life insurance claim with Wells Fargo Home Equity on a HELOC that was extended to my mother in 2009. She paid the premium diligently every month. In XXXX she passed away after a long fight XXXX. I have visited XXXX branches, called the customer service phone number, spoke with their collections department and been shuffled around for 5 mos in an attempt to have the HELOC paid through the life insurance it was protected with. I was initially told by the branch manager at the XXXX MI branch there was no insurance. I persisted knowing there was as you could see the premiums paid on the statement. I was then given information for the insurance company and filed a claim. I took the paperwork I received into the XXXX XXXX XXXX XXXX XXXX and was told by a banker and the branch manager that they did n't know how to complete the portion that was required to be completed by Wells Fargo and that I could just complete it myself. I called the insurance company and they said to send it in without that portion completed so they could process the claim. A few weeks later they sent me a letter saying they do not hold the policy for this loan. 
I began making payments on the loan as they were threatening repossession of the home my mother left to me. When I reached out to the collections rep he told me that if I can not afford to pay the loan that I should just sell the home or do a deed in lieu (? ). It is like they are not even listening to what I say. In a final attempt I sent a written letter asking for their assistance in resolving this and giving them 5 business days to respond. I was contacted by phone and told they were hoping to have an answer for me by today. I also received a letter addressed to my mother saying since they can not discuss the loan with me they are writing to her. My mother is dead, I have n't heard from then again yet, I need help ...
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred despite having sufficient funds
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX identity, theft, affidavit. Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX*Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$61.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7400.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX BalanceOwed : {$7800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX PA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report related to the collection account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX  XXXX XXXX. The account number in question is XXXX. I believe this information is not accurate and is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that you investigate and either update or remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

Incorrect information is being reported on my credit report which is adversely affecting my ability to have credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
Closed XXXX XXXX Reported : XX/XX/2019 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of specific accounts and inquiries on my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to remove all unauthorized items.

Accounts to Be Blocked and DeleteXXXX 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 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 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I have been contacting this company since XXXX of 2023 for a payoff letter.in addition to the original.contract/ lease agreement. I have been hung up on and transferred from one department to another. This was not my original leasing company so my fear is that they do not have this information and refuse to just say that. I was making payments for several.months thinking I was purchasing this vehicle as agreed upon with my original leasing company only.to be told that this agreement no longer is being honored with westlake portfolio managers ( the new leasing company ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX & XX/XX/XXXX THE AMOUNT OF {$940.00} DOCUMENTS WERE SENT THREATENING TO HAVE THEIR ATTORNEY CONTACT ME TO SUE ME. I RESPONDED Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Mortgage

My mortgage account was transferred from XXXX Admin to a new Servicing Company Shellpoint Mtg in XXXX of XXXX. I had previously had a bankruptcy in XXXX. I re-affirmed my account/mortgage with XXXX at the time of my bankruptcy. During the transition of my account from XXXX to ShellPoint the affirmation of my loan was not transferred over. I did not realize this until XXXX of this year when I was unable to access my account online and I called to see what the issue was. I was told that the affirmation was not on file but that they would resereach and get this transferred over. I have for the last 3 months been trying to get this taken care of with their loss mitigation department. I have emailed, called and told multiple times that they have the information and that access to my account would be restored, but I still can not access. on XX/XX/XXXX I called again and spoke with someone in the Loss Mitigation Dept. and upon research of my account was told that the final review regarding the Affirmation had not been performed and that was the issues. She assured me she would work on it and I would be able to access my account the following day. As of today, still no access. I have tried to call multiple times this morning but the call is dropped. My payments are current yet I can not access my account to see my escrow balance or make any inquiries to my balance, etc. This is also not being reported to the credit bureaus on behalf and is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting fraudulent inquiries on my credit report all are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting
Product: Credit reporting or other personal consumer reports

I previously filed disputes with XXXX, Transunion and XXXX to investigate and remove several incorrect and fraudulent collection accounts, charged off accounts and incorrect and fraudulent late payment reports on my credit repot that is greatly impacting my credit score and nothing was done and I received no information regarding that investigations despite requesting the investigative effort reports on many different occasions.
Product: Vehicle loan or lease

Hello, I believe my personal information has been used without my consent by a car salesman at santander usa. the salesman misrepresented my income to secure financing for a vehicle, which i could not afford, as a result, the vehicle was repossessed and subsequently sold to a new company ( XXXX XXXX ). this use of my name address and income details to enter into a contract constitutes identity theft. I am concerned about the potential implications of this situation on my credit and personal finances i request your assistance in investigating this matter and protecting my rights. please let me know if you need any additional information or documentation from my side to facilitate your investigation. Thank you for your attention to this issue. i look forward to your response. I reported to the identitytheft.gov website as well they gave me a recovery plan, I plan to continue with I am sending out dispute letters.
Product: Credit reporting or other personal consumer reports

I'm submitting this statement due to a serious issue of identity theft that has detrimentally affected my credit report. Following the necessary step of filing a report with the Federal Trade Commission, in compliance with legal requirements, I'm actively working towards resolving this issue. The Fair Credit Reporting Act ( FCRA ), Section 605B, mandates that credit reporting agencies must quickly remove any entries from a consumer 's credit report that are identified in an identity theft report. For reference, my report is numbered # XXXX. Attached, you will find documents that support the removal of these inaccurately reported items. Accounts opened fraudulently, without my consent, include : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account No : XXXX - Balance : {$6900.00} XXXX XXXX XXXX  Account No : XXXX - Balance : {$0.00} XXXX XXXX Account No : XXXX - Balance : {$590.00} XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  XXXX Opened : XX/XX/XXXX. In accordance with FCRA Section 605B ( a ), it is the responsibility of credit reporting agencies to ensure the removal of such disputed entries from the credit report within four business days following the complaint 's receipt.
Product: Student loan

I called Mohela and told them the loans were still on my credit report. They said it would take time to remove them. They have since added more loans to my credit report. The loans were forgiven in borrowers defense in a court case named XXXX XXXX XXXX. They should have been removed over a year ago. And now they are adding more instead of removing them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that the 3 credit bureaus were reporting a collection account that 1 is Identity Theft and not my account and 2 is reporting a duplicate account. I have already disputed with XXXX, Equifax and XXXX and the following has still not been deleted and or corrected by Equifax and XXXX. I have attached a copy of my TDL, POA, Credit Reports, ID Theft Report, Letters to Bureaus, Account Name : XXXX XXXX XXXX Acct No : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to Equifax over 45 days ago and still haven't received any response. I'm really stressed out about these bogus accounts on my report and I've been trying to get my credit repaired since the found out my information was affected by the Equifax data breach.