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

XX/XX/2018 : XXXX XXXX or XXXX XXXX debit card has incorrect balance. There is ( {$57.00} ) missing in my account and the balance online is incorrect! Previously, I had been traveling outside the USA and if this error occurred it could have gotten me killed in a unknown location. There have been many complaints filed about the online portal and ethics of social responsibility involved in this bank. If they can not get an online banking portal correct without an efficient way to contact them, then taxes with social security and retirements appear not valuable to the government who use taxes from crime in this system!
Product: Credit card or prepaid card

Two charges on my credit card or in dispute because I did not make the charges or order anything from the company. Credit card company said I would not be charged a late fee because of the charges in dispute. They have charged me two late fees even though they said they would not. I have much difficulty trying to talk to somebody at the company, and they have no email address that I can find.
Product: Bank account or service

XXXX of my Citizens Bank checks ; mortgage, energy loan & electric co payments were stolen out of the mail. Though none were made payable to XXXX XXXX XXXX, XXXX of the checks were cashed by XXXX. A thief got my money. 7 weeks later Citizens still ca n't figure out how to help me. Not one person. I 've sent front/back images of the checks. I 've filed XXXX police reports. I 've talked with more than 20 people at Citizens including Supervisors and Managers. Not one knows how to navigate their own system in order to help me. The front office has absolutely no idea how the back office works. And, to make matters worse, they do n't communicate with each other. There 's no training. If there is training there 's no retention of the information. The loan company told me they were going to put me in default. However, they provided real support and information about what should happen. They said Citizens should provide me with a Provisional Credit so I could pay the companies who did n't get my money. Citizens never told me anything about their obligation to provide me with a Provisional Credit. Citizens initial consul was that I should pay the companies again from a different account. I told a Supervisor at Citizens Online Banking I was going to contact the Attorney General to report this abuse. He ended the conversation and escalated my complaint to the Office of the Chairman. Maybe they can make something happen? I 'm suppose to hear from them in 24-48 hours. It 's been over 24 hours and I have n't heard from them. Plus, I received a threatening letter from XXXX, XXXX with a case #, XXXX # and threatening language : " this is an attempt to collect a debt ..., '' signed by XXXX XXXX A Citizens Branch Mgr said it was a fraudulent letter. Turns out it 's Citizens Bill Pay service. Bottomline no real help from Citizens in solving their longtime customer 's banking problem caused by a lax banking system.
Product: Debt collection

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # ( XXXX ) XXXX twice on XX/XX/2020. I advised the rep I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I have also attached an identity theft report to reflect this fraudulently charge
Product: Debt collection

True Accord keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.
Product: Payday loan, title loan, personal loan, or advance loan

I Downloaded the Kikoff app  off From a Ad online. The app was Supposed to help me build my credit but instead they charged me monthly {$5.00} for I could get assess to borrow {$750.00} from them.. I seen alot Bad reports after awhile online so I tried to cancel the account but I couldn't. They caused hard injuries on my credit score saying I owe them {$55.00} They charge my Card every couple weeks trying to take {$10.00} from my card Early in the morning and I asked if they could remove me but im still being charged and my credit score falling Negatively.
Product: Consumer Loan

About 23 months ago I went to a Nissan dealership in XXXX, UT to look into a lease. I test drove a few cars and afterwards the salesman had me speak with his manager and store manager. They were all friendly and told me stories about their family members who are also service members. I told them that I was just looking and not ready to lease. After talking for several minutes, and much pressure from all 3 characters I decided to move forward with the lease. I told them several times that I only had {$500.00} to put down. They insisted over and over again and I ended up putting {$1500.00} on my credit card. I also told them I wanted full market value for my car that I was trading in, which was {$10000.00}. They gave me {$6000.00} for my car. After all was said and done I was stuck with a high monthly payment of {$400.00} for a sedan lease, was undercut {$4000.00} on my trade, and was pressured into a bogus deal and a {$1500.00} debt of money I did n't have. I thought I could trust these guys since they talked so sincerely about their kin who were service members, but I ended getting played. Never doing business with them again. Please learn from my terrible experience and do n't let con salespeople like these man trick you into giving money you do n't have and making false connections with you just for your money.
Product: Credit reporting or other personal consumer reports

I Checked my Credit Report and I have been a victim of identity theft. I am requesting the immediate blocking of the fraudulent information on my credit report pursuant to 15 U.S Code 1681c-2. 

XXXX Accounts : XXXX and XXXXXXXX XXXX Accounts : XXXX and XXXX XXXX account : XXXX. 

I Request that you block the above referenced information from my credit report within the 4 business days as required by law.
Product: Credit reporting or other personal consumer reports

Experian has a bankruptcy that does not belong to me and I have contacted them many times about this XXXX XXXX has removed it from my consumer report however they continue to verify the information as being mine although I have mailed Experian the letter that XXXX XXXX has sent me. They wait 2-3 days before thd 30 days are up and verify the information is mine I have been going thru this nightmare for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I have recently been informed that there is negative information reported by These Companies in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with these bureaus and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2.  ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau Ripoffreport.com P.P.S CFPB Reports Debt Validation Is Required Not Optional. 

Please Be aware that according to The FTC, an itemized printout does not represent verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was submitted a dispute letter for inaccurate and unknown account that I found on my credit report. It's over 30 days now and I haven't received any response from them. Those accounts are not mine and those are Identity theft. I was a victim of the XXXX data breach and those accounts need to remove ASAP or I will file a litigation.
Product: Student loan

My complaint is against Nelnet and XXXX. 

During the last week in XXXX, I spoke with a representative from Nelnet about the XXXX program and I decided to apply because the rep explained its benefits. The federal government is touting how easy XXXX is, but lenders like Nelnet are not making it easy. I applied for XXXX manually because I am making less money than last years XXXX. Nelnet requested I submit my paystub to them, even though I already submitted to studentaid.gov. The Nelnet website wasnt allowing me to upload the documents, so I submitted to the email they provided. I never got a confirmation. So, days later, the site was back up so I submitted again. They said they received the application on XXXX and it would take 10-15 days. I received an email today that it would take another 10-15 days from today. I feel like lenders are stalling so that borrowers are forced to pay higher payments and higher interest. 

Regarding XXXX : I had to go to XXXX to learn how to bypass their automated system. I applied for PSLF last year, received a confirmation letter, and never heard anything. I couldnt reach XXXX because you need account information to bypass the phone system, but I never got an account because I finally learned there was an issue with my application. Wait times are so long that I took a day off work on Monday to try to get these things figured out and they are so far from being figured out its insane. 

These lenders are taking advantage of us and breaking us down and they must be held accountable. I have filed two complaints on studentaid.gov and I contacted my Congressperson as well.
Product: Credit card or prepaid card

Hello, I hope all is well. You previously helped my husband, XXXX XXXX, with his new TD credit card. Specifically, he was unable to see his credit card on the tdcardservices website. His old card was displaying instead of his new card. The same issue is now happening to me. My old closed card ending in XXXX is displaying, instead of my new card ending in XXXX. See the attached screenshot. 

Also, if not done so already, please update my name in your systems from XXXX XXXX to XXXX XXXX XXXX. Marriage certificate and drivers license are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company Santander Consumer USA sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that Santander Consumer USA reported me to all XXXX of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to Santander Consumer USA to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from Santander Consumer USA I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and Santander Consumer USA send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what Santander Consumer USA sent them to prove this is my account. I received nothing again. So, I sent a letter to Santander Consumer USA asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but Santander Consumer USA refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to Santander Consumer USA on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX Santander Consumer USA charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
Product: Debt collection

I have no knowledge of this account. I called and was told the account was transferred from XXXX XXXX XXXX for which I've never financed any furniture. I reported to police department that my identity was stolen therefore several accounts were a result of theft due to my wallet being stolen. Also, this billing company who placed the account on my credit apparently purchased the account for pennies on a dollar in hoping to collect of a fraudulent account. This debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXX {$94.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX cards is on there also and its alot of inquire on my credit report that are unauthorized by me i have no knowledge
Product: Vehicle loan or lease

I received a late report on my credit, I contacted the company Santander consumer USA they indicated that I cosign for my sons car which I did and he was rejected. 
Then I requested copy of the contract which I received on XX/XX/2018 I reviewed and my signature is not my. So I ask to speak to the fraud department and the have send me a form to fill. 

I never received notices that my son was late on payments I would had a conversation with him, I believe that XXXX XXXX falsified my signature and that is fraud. 
I have a E-Mail send by my son to describe what happen.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts have been opened in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries related to this breach be blocked and permanently deleted from my credit report.

Below are the accounts and inquiries I am requesting to be blocked and deleted : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$910.00} XXXX XXXX XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$420.00} Unauthorized Inquiry XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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: Credit card or prepaid card

I received a statement from Capital One that was a month old. I had already paid my bill online, but called to find out where it had been for a month. I called the number on the back of my card and got a recording of an exuberant girl 's voice offering me a deal with Capital One ( {$100.00} gift card I had been chosen to get from WalMart ) Not interested, I hit XXXX and got a guy in XXXX who said his name was XXXX XXXX, He had a thick, foreign accent. He told me he could not transfer me to customer service until I listened to his read statement. I told him repeatedly to transfer me on ; I was not interested in a {$100.00} gift card for a a {$1.00} a month charge on my credit card. He just talked over me and began on his statement again. When I asked to speak to his supervisor, he told me he did not have one ; he could do what he wanted. He told me I could just hang up. Finally, I hung up, telling him I was filling an FTC report. I called again, and got someone in America named XXXX. He told me the bills had gone out the first week of XXXX and blamed the post office for my month late bill. He never heard of this WalMart gift card offer and put me through to their fraud alert division. This time I go t some one in XXXX who had a pretty good command of English. He claimed his name was XXXX. He never heard of the WalMart offer and seemed not at all concerned about some hacker trying to harvest credit card numbers and addresses. Is my account safe with Capital One? Who are all of these foreigners trying to get me to give them my information so I can get a {$100.00} gift card to WalMart? Why isn't Capital One concerned? I was on the phone to 3 different numbers from XXXX ; XXXX until XXXX ; XXXX Central Time.
Product: Credit card

I received a call from an Indiana number XXXX at XXXX XXXX today XXXX XXXX, 2016. I heard an automated message saying something about my XXXX credit card eligibility for something, I do not remember what exactly, but I do not use credit cards so I knew the call was bogus. I followed the instructions to press XXXX to continue on. I was connected to a real person who proceeded with a script which I interrupted asking him how it was that they got my number because I do not use credit cards at which point the man on the other line promptly ended the call. I called the number back and the line beeped the way a disconnected line does. I regularly sign petitions concerning the environment and civil issues and I believe my identifying information has been thus compromised.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax for Credit Reporting Issues Dear CFPB, I am writing to formally express my concerns regarding the ongoing issues I have experienced with Equifax, which I believe have negatively impacted my creditworthiness and character. 

Despite my efforts to address positive accounts in my credit report, Equifax has continued to misuse my credit report by removing a positive account that I've had over a year. This misreporting has resulted in significant consequences, including the denial of credit applications and increased interest rates, which have placed undue stress on my financial situation. 

I have attempted to resolve this issue by contacting Equifax directly, but my concerns have not been adequately addressed. I believe that their actions violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting of credit information. I've also filed an FTC report Equifax did not have my written consent to access my credit report. 

I kindly request your assistance in investigating this matter and taking appropriate action against Equifax for their failure to comply with federal regulations. I am hopeful that your intervention will restore my credit reputation. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, The only account that should have been removed is XXXX XXXX XXXX which is a derogatory account in stead they removed a positive account from my credit report XXXX XXXX XXXX