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

I opened a business checking account last month with a promo code at a Truist branch. The promo code is XXXX. I was supposed to receive a {$200.00} promo bonus after completing the requirements of the promo. The requirements were to make a {$1500.00} deposit within 30 days of account opening. So I made a {$1500.00} deposit within the 30 days of account opening. 

Per the terms of the promo, I was supposed to receive the {$200.00} bonus within 30 days of completing the requirements. I called multiple times before the 30 days were up and multiple times after the 30 days were up and I keep getting the same response that I completed the requirements of the promo and that I'll receive my bonus in 30 days. Every time I call, they keep saying 30 days. I was already supposed to receive the bonus because 30 days have passed after I completed the requirements and I still haven't received my {$200.00} bonus as per the terms of the promo. Please get these people to credit me my {$200.00} bonus already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX  that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate
Product: Mortgage

I have previously corresponded with LoanCare through its website and by mail regarding the reimbursement of my XXXX second-half property taxes that I had to pay directly to XXXX XXXX because LoanCare had failed to make the payment despite there being sufficient funds in my escrow account. I am still waiting for the reimbursement despite being told on XX/XX/XXXX, that I would be getting reimbursed for the payment. Enclosed is the notification from LoanCare that I would be receiving a reimbursement ( Exhibit A ). 

I will again provide some additional background of the situation. On XX/XX/XXXX XXXX I received a past due property tax statement from XXXX XXXX ( Exhibit B ). I immediately contacted LoanCare and after several transfers and call backs, I was assured it would be paid. It was not. I received a second notice from XXXX XXXX on XX/XX/XXXX XXXX showing the amount still owed and the assessment of additional penalties ( Exhibit C ). The total was {$3100.00}. I again contacted LoanCare and received no response to my inquiries. Given the approaching deadline of XX/XX/XXXX, I paid the taxes directly ( Exhibit D ). Then after more calls and emails that were not responded to, I finally received the email saying I was going to get reimbursed. However, that has not arrived despite several emails. 

I also contacted XXXX XXXX XXXX XXXX XXXX and they confirmed that it was my payment that they used to satisfy the XXXX second-half property taxes ( Exhibit E ). LoanCare never sent a check to pay these taxes. 

This process has been very frustrating, and I would ask that you reimburse me the {$3100.00} as it is owed and I was promised. 

I have also attached the last letter I sent to Loancare
Product: Credit reporting or other personal consumer reports

I've already reported this information to your Bureau under Complaint # XXXX. 

They sent me another email stating that the complaint is closed. This is from Transunion. So are they " still investigating '' or is it closed? Which is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached documents as it contains my complaint and my identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act.Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Mortgage

Pacific union financial was utterly incapable of providing a payoff letter and attempts to coerce you to refinance with them.
Product: Debt collection

On XX/XX/XXXX, I received a note from my credit card company ( which does credit monitoring ) that I had a new negative credit report. Aargon Collection Agency has a collection on me for {$120.00}, apparently for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. This is the very first time I had heard anything about this debt, whether from the hospital or Aargon or anyone else. I have never once been contacted by anyone regarding this bill. The collection agency said that my address was listed at a residence I had last lived at in XXXX, and they gave an incomplete address for that even ( they did not have the full street name, the street number, or my unit number ). 

During my hospital visit in XX/XX/XXXX I distinctly remember filling out forms including my current ( to this day ) address, phone number, and email. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Aargon did not make use of any of that information in attempting to contact me. Even my emergency contact ( as told to me by Aargon ) was listed as my late father, who passed away several months before my XX/XX/XXXX hospital visit. They must have had information on my file from over a decade before and failed to use the recent information I provided them.

This negative credit report has lowered by credit score from XXXX to XXXX, in one day. I am attempting to apply for a mortgage currently and this mistake will cost me thousands of dollars in additional interest. 

I am happy to pay whatever I owe, but I have never seen a bill for this charge, I do not know if my insurance was properly applied, the hospital did not attempt to reach me before sending this bill to collections ( even though I provided them with accurate contact information at the time of my visit ), and the collection agency did not make any serious attempt to reach me before filing a negative mark against me with the credit agencies. I have lived at my current address for over seven years and have not changed my phone number since XXXX ; my contact information is also readily available from commercial sources. 

This negative credit report needs to be completely and immediately removed from all of my credit records.
Product: Debt collection

Balance XXXX I have no knowledge of this debt dont even know what company it started with
Product: Student loan

Nelnet is charging daily interest on my loan after I applied for XXXX plan and was approved back in XXXX. Currently has me on standard repayment and has failed to process my XXXX application in a timely manner. Keeps putting me on administrative forbearance and applying interest to my loan. Two hour hold times to speak to customer service. This should be illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX  AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:XXXX XXXX XXXX XXXX (XXXX XXXX) Account number XXXX the amount is $XXXX Opened XX/XX/XXXX 2014.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.EQUIFAX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.
Product: Debt collection

on XX/XX/2022 in my mail box on XXXX PM XXXX XXXX retrieved a letter purporting to be from " XXXX / XXXX Attorneys At Law '' whose letter states : " The purpose of this letter is to remind you that the tax return season presents an opportunity to resolve your account. The following options are being offered to settle your debt : '' and then goes on to offer options to settle SOME sort of debt that I am unaware of for some account I am unaware of. 

The header states " Date : XX/XX/2022 Our Client : Midland Funding LLC '' I had to unfold the letter TWICE to finally get " This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. '' Well, which is it? Are they the debt collector or an attorney representing the debt collector? This is a serious breach of several consumer financial protection laws. They can't threaten to sue me and they can't IMPLY they are attorneys then say at the end they're a debt collector. I would like them to consider this matter settled in full for their breach of laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed XXXX XXXX that its inaccurately being reported on my credit report stating that I owe {$2400.00}. I have yet to receive a response from regarding removing this information from my credit report and this investigation is well over the 30 days allowed per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the XXXX XXXX XXXX. Attached is proof that I owe XXXX dollars given to me from XXXX XXXX and a copy of the contract stating that I had the right to terminate the lease early.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution is Zelle failed to investigate my claims adequately. They informed me that recovering loss phones was impossible, and the tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, M XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX. I have read enough t understand my rights under the FCRA section 605b, and I need you to please comply with the law and remove the disputed fraudulent accounts and information off my Credit File as soons as possible.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to address the inaccuracies on my credit report through the proper channels, yet Ive received no resolution, and Ive reached my limit. This experience has caused me immense frustration, anxiety, and countless sleepless nights, as I worry about my future due to the impact on my credit score. These errors are not only unfairly affecting my financial standing but also preventing me from getting credit applications approved. The ongoing issues with my report are making it difficult to move forward, and I urgently need these inaccuracies corrected to restore my peace of mind and financial stability.
Product: Debt collection

i have requested XXXX company to produce any legal document that has my name instead they keep sending a statement with a third party name and reporting it on my XXXX XXXX Report and after numerous attempts and letters I only get a statement with a third party name and nothing Im requesting from them if XXXX can not produce any legal papers with my legal name with my signature they must remove this item from my reports ASAP
Product: Debt collection

I believe a XXXX XXXX credit card was opened with my information and this debt was placed on my credit information. Subsequently my bank account has been frozen due to garnishment orders based on default. I had no idea and reported this so many times but to no avail.
Product: Debt collection

I was in an apartment that I lived in up until my lease agreement. I gave a XXXX day notice, even have documentation that I cut off the utilities out of my name, and lease agreement of an apartment in a whole other state. A year and a half later I received a collection on my credit saying I owe for XXXX months ( XXXX ) after my lease was up. I have provided them this information ( disconnected utilities, new lease agreement. ) and tried to dispute but it was denied. Ive also had complaints throughout my lease agreement of wanting to move and do a buyout agreement. There was also an altercation with the maintenance guy in the the property management was aware of that resulted me in feeling unsafe and wanting to move out of the complex.
Product: Credit card

Application was denied I was placed on hold for XXXX mins and the high risk fraud dept was giving me hard time and then he ask that I take a selfie and my ID front and back then placed me on hold again for another XXXX mins. Then he comes back and said that they need a letter from my bank and I explained to him that my bank dont offer that because I have a online only bank I had for 5 years and I dont bank with any major banks. After he looked at my selfies and my ID for very long time and ask for more documentation from me believe Ive been discriminated based on my race which XXXX XXXX XXXX and they been giving me hard time and I cant produce a letter from my bank I dont want risk any account closure from my bank and I cant apply for any other banks I have a bad credit with banking history and again I believe this is discrimination Based on the selfies I send to American Express Application number XXXX
Product: Credit card

I applied for a credit card. I was given a different ( inferior ) card than the one I applied for an was told, " oh, well, you should use this other card for 6 months and then you 'll almost be certain to get the card you actually want. '' There are several problems with this : 1 ) The marketing was deceptive. I do not believe they had any sincere intention of providing the card that was advertised. 2 ) A card and line of credit was created in my name, without my permission. There is a section in the terms and conditions ( attached to this complaint ) that states that I may be automatically considered for a card other than the XXXX I am applying for, HOWEVER, it states only that I will be considered for the card -- not that I will automatically be provided with XXXX -- AND it does so only under the section " Notice to Ohio Residents '' 3 ) There was no indication when I received the card that I was at all different than the card I had applied for. The credit card company was trying to pass off the inferior card as the card I applied for ( see attached welcome letter ). I was also not provided with a notice of rejection and the option to receive a copy of my credit report ( since that was the basis for the rejection ), as is my legal right. 4 ) The whole process has caused damage to my credit score, not only from the initial inquiry, but also from having to close the unwanted credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

An auto loan with  XXXX   XXXX  appears on my credit report with the status " charge off '' and a balance of {$0.00} - this is correct, because the car was turned over to  XXXX   XXXX  and they were given possession. A collection agency called  XXXX   XXXX   XXXX  is also reporting a debt to  XXXX   XXXX  with a balance of {$23000.00}. This is not accurate as the account was with  XXXX   XXXX  and the correct balance is {$0.00} due to possession of the car an d ( t he {$23000.00} asset ) having been given to  XXXX   XXXX . I do not have any account with  XXXX   XXXX   XXXX  as my balance with  XXXX   XXXX  is {$0.00}.
Product: Credit reporting or other personal consumer reports

My father opened a credit card under my name without my consent to be accepted for card eligibility. He maxed out card limit. Due to this it has negatively affected my score. Disputed twice with XXXX and was denied both times. I had Citi-card remove me as authorized user on card. They have yet to remove the rating from my account. 
I want the Citi-card account completely removed from my credit reporting and all history tied to that account. Again, I did not consent, authorize or agree to opening or putting my name on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an invitation to check my rate for a loan and was told it would not affect my credit score. They told me in order to do the soft inquiry I would need to unlock my credit report. I unlocked my report like I was asked to do and received a call from them verifying my identity because I have a fraud alert on my file. They told me that they were not able to provide the quote and that I would get a letter in the mail. Upon examining my credit report today I noticed that I have a hard inquiry from them. I was mislead by the organization who insured me there would be no hard inquiry and my score would not be affected. 

I am writing to request the removal of unauthorized credit inquiry on my XXXX and XXXX credit reports. My latest credit report shows 1 credit inquiry that I did not authorize. I am writing to dispute the following inquiry and ask for their removal from my credit report.

Item 1. 
XX/XX/2023 Inquiry OPORTUN/PROGRESO FINANCI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.
Product: Debt collection

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally This is a form of HIPAA violation. 
If they are saying it is verified then where's my proof? What methods are you using to verify?
Product: Credit card or prepaid card

Synchrony and Amazon credit card illegally authorized a charge to their card without my permission in the amount of {$36.00}. I use my default method of payment on my XXXX card. I contacted them and spoke to a customer service rep and explained that I didn't authorize it and don't use that card because the interest rate is way to high at over 25 %. and haven't used it since 2018. I filed a complaint with Synchrony disputing the charge. They refused it. I wrote to them again explaining that I did not authorize the charge. I was told by the customer service rep in my phone call which was recorded that occasionally when they make updates that my default card is changed back to their card! This is illegal. I am not paying for something I did not authorize. I want this corrected by Synchroncy, I want them investigated and proper action taken against them.
Product: Student loan

In short, for years XXXX XXXX, and now Naivent have refused to process my unemployment deferment request as per our contract, stating that the State Of Kansas must change the format of its Unemployment Benefits letter to fir XXXX XXXX Navients needs. While the letter includes my name, address, SSN and DOB, it does not include the " XXXX '' after my name. Their claim is that there could be a different person with my name, address, SSN and DOB, and therefore they refuse to process my unemployment deferment per the terms of our agreement. This has added XXXX dollars in interst to my loans over the years.