23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened up am XXXX XXXX XXXX credit card because they were offering/advertising " 30 % off your first purchase when you open and use a Real Rewards credit card! '' XXXX XXXX Bank never sent me my 30 % off coupon. I had already used the card at XXXX XXXX. I called Synchrony Bank ( the card issuer ) and spoke to customer service rep, XXXX on XX/XX/XXXX. XXXX suggested that he can dispute the first XXXX XXXX charge ( total was {$110.00} ) and get {$33.00} back on my account. I said that was fine but it would have been easier to just send a 30 % off coupon. XXXX told me to go online and on my credit card website, to submit screenshots of the 30 % listed on the website as proof that there was a discount on first purchase at XXXX XXXX XXXX XXXX I submitted a message on the online portal on XX/XX/XXXX at XXXX PM XXXX. 

I was notified on XX/XX/XXXX by a P XXXX XXXX that my dispute is noted and that they would look into the situation. 

I called XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) because I have yet to hear anything from them regarding the dispute. I spoke to customer service rep, XXXX, who informed me that the dispute was closed and that they decided in favor of the merchant ( themselves ). 

I only opened up a credit card with XXXX XXXX XXXX so that I could get the advertised 30 % off and also the " real rewards '', which is still not connected to my account. 

Very deceptive advertisement practices.
Product: Mortgage

I was impacted by the XXXX pandemic, and as a result was approved for a deferment program last XX/XX/XXXX. Most of my mortgage payments for XXXX were placed into a suspense account until XXXX XXXX approved my deferment ( this is what I was told by Truist ) and once the approval was granted, the money in the suspense account was applied to my principal and my escrow accounts. 

However, the amounts were applied incorrectly, and I have tried multiple times to get this rectified with Truist. As of XX/XX/XXXX, my escrow account should have {$5000.00} in it, but there is currently only about {$1400.00} in the account. The difference in the amount has been applied to the principle balance. This has caused a large deficient in my escrow account, which will then cause me to have much larger payments once my escrow account is reanalyzed in the fall of XXXX. 

I received a letter from Truist on XX/XX/XXXX, dated XX/XX/XXXX, apologizing for the mistake and saying that the payments were applied correctly. Yet when I checked my escrow account balance online and called Truist to confirm, the balance in my escrow account is still not correct! I am frustrated that Truist is not handing this correctly and would like to elevate this issue.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

46.4K 492
Product: Credit reporting or other personal consumer reports

My loans were forgiven XX/XX/2022 but they still show I owe them with all credit bureaus
Product: Credit card

It has always been my practice to ensure timely payments on this account, preventing them from becoming overdue. Yet, I'm uncertain about the cause of reports suggesting late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2023 to exercise my right to opt out of the disclosure of my non-public personal information to all third parties including consumer reporting agencies, Equifax, XXXX, XXXX XXXX  XXXX , XXXX XXXX  and XXXX. 
Per 15 U.S.C. 6802 and CFR 313-Privacy of Consumer Financial Information .

I have not gotten a response from this company and they continue to report my personal information to third parties.
Product: Debt collection

I received a call from a company called XXXX saying they were trying to collect on an old debt for XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. I explained to them that I had filed a Chapter XXXX back in XX/XX/XXXX and if they could provide me a copy of the debt they are trying to claim for {$1600.00}. They advised me that I was facing fraud on writing a bad check and deception of a financial bank. When I again pushed to have something sent to me in writing the caller hung up. When I tried calling back they refused to take my call. I will state that this caller did have personal information about me where I lived and my SS #.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts in writing and verbally to alert Collection Consultants that they have sent me someone else medical information ; diagnosis, record number, etc and not the account they claim I owe for. I have alerted XXXX XXXX of this as well because this is a violation of privacy and HIPPA regulations. Each time I dispute this account XXXX  allows them to place meets FCRA requirements which is false and fraudulent. FCRA requires credit reporting to report accurate information. I have in my possession a completely different medical file that they are claiming I owe for. They have updated my credit profile to reflect they can not locate consumer. I do not understand how not only XXXX has received this information and neglected to research this and allow this to stay on my credit profile.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX ACCT # : XXXX In accordance with The Fair Credit Reporting Act, Public La

w 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your investigation and corrections. Your Cooperation and prompt attention are great
ly appreciated.
Product: Checking or savings account

Regions Bank has charged me overdraft fees on items when there were funds in the account for the purchase. Regions could not give me a valid explanation and did not give me my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the company I am filing the complaint about. I was going to XXXX with them at a lower rate but added nearly {$2000.00} worth of fees which was not agreed upon. I paid my payment for XXXX because I wasnt XXXX. I paid XXXX payment on the XXXX but got a statement for the new loan which confused me but paid it to make sure there werent any problems. I get a check from them so I thought they were giving back the extra in my account from taxes or the extra payment. I paid XXXX but then got a notice I was late. I knew i wasnt late but payed another anyway knowing I would get it back. The joke was on me. XXXX charged late fees. I called so many times, I could never get past the customer service representative to talk to someone who could fix things. I was put on hold, hung up on and never received calls back from a supervisor! I wasted hours upon hours. Then in XXXX I refinanced with XXXX XXXX because of their poor customer service and my frustration. Then XXXX made a remark in my credit report that I was greater than 30 days late in XXXX. I reached out to XXXX  and That only resulted in them changing it to XXXX that I was more than 30 days late. I proved to XXXX XXXX that there was a mistake and got a XXXX loan through them. I ended up selling my home in XXXX and now I couldnt get another VA loan on a new modular home with land because of this. I once again called probably 100 times, spent hours trying to speak to a supervisor. I still can not get another VA loan until XXXX because the put in the comments that I was greater than 30 days late. I am having to rent now until then. Its expensive and I am certain their practices were illegal. If not illegal at least unfair and no one, particularly a XXXX veteran should ever have done to them. Please investigate this and help me get this fixed.
Product: Vehicle loan or lease

Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. 

Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. 

As a result of these unjust practices I have a negative account status currently reporting on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes to XXXX, XXXX, and transunion for account # XXXX for XXXX XXXX  ( Original Creditor : 08 XXXX   XXXX XXXX XXXX XXXX XXXX ). Twice they have " verified '' this debt ... ..The reporting on their report is supposed to be 100 % accurate and its not. Here I reach out to portfolio for validation of debt as i have no recollection of this debt and they claim I owe {$450.00} as 2 out of the 3 ( XXXX  deleted it ) credit bureaus are reporting that I " owe '' {$450.00} ... ... how are they doing a full and proper investigation when the information is inaccurate? The answer is they have not ... I have attached documents as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I, XXXX XXXX XXXX XXXX XXXX, I have tried to reason with Navient Re :, a private school loan that should have been considered for the original Navient lawsuit. However, my loan was never considered, nor did I ever receive any type of correspondence regarding the same. According to the information notated in the lawsuit, my loan did and still does meet the requirements of the original judgment. 

The aforementioned private loan is in default and was charged off/closed via Bankruptcy Court in XXXX. Yet, the loan continues to be updated on my credit report every month as if it is a current loan that is in collections. This prevents me from being considered for housing due to ongoing negative activity. It continues to update my credit report each month. 

I attempted to reach the credit department for Navient to seek assistance with my credit report without success. I never heard from them. 

I have recently been corresponding with a XXXX XXXX via email and phone conversation to date. I was informed by XXXX XXXX that my XXXX score was too high at the time of the loan. How is that? My XXXX XXXX was not in good standing, much less having a decent XXXX XXXX. However, she did not come up with a solution for my issue. I also mentioned to her that I had applied for consideration for XXXX, and that was rejected as well. She informed me that I had applied with the wrong website and that she was sending me the correct information which I never received or it was never sent. 

Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I have disputed a bankruptcy in my Transunion public records. My credit monitoring service has detected the us of my name and social security using the address XXXX XXXX XXXX, XXXX, North Carolina XXXX. I have disputed this bankruptcy with and address with XXXX. Both consumer credit reporting companies keep verifing this fraudulent activity after investigations. I have attached the Identity Alert from my credit monitoring service XXXX XXXX to show proof that someone is still trying to use my name and social security number on the DARK WEB and they are using the same address that is reporting on my XXXX consumer file. Screenshots attached to show proof. The information is not information relating to any transaction by me. THIS IS NOT A ERROR! 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

Continued CFPB case NO.XXXX Participated in Second Quater Promotion of Citi Bank in XX/XX/XXXX. Citi Bank refused to credit the bonus and required a W-8 form from me. I sent a W-8 form on XX/XX/XXXX and was declined due to missing information. On XX/XX/XXXX, A staff of Citi bank from New York contacted me directly regarding my case and asked me to send the W-8 form as well as a supplement form of W-8 form to him directly. I sent out the package on XXXX XXXX by XXXX ( tracking number : XXXX ). It was delivered on XX/XX/XXXX, I try to call the number provided on the letter : XXXX ( XXXX XXXX ) several times on a different date. It seems Mr.XXXX is with the clients or out of the office every time. Today is XX/XX/XXXX and I called Citi bank earlier today. Citi Bank started a review of my account and asked about my parents ' information. NOTHING ABOUT MY BONUS BACK TO XX/XX/XXXX. I try to chat with a representative and he said nothing was updated so far.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Cresit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions was authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of Radius Global Solutions. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my XXXX  XXXX account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from Radius Global Solutions on behalf of XXXX XXXX. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.
Product: Checking or savings account

This is my second complaint, COMPLAINT NUMBER XXXX. 
I JUST WANTED TO ADD THIS TO THE COMPLAINT. TODAY IS DAY 10. CASH APP GAVE ME A SELF IMPOSED TIME LIMIT, AND TODAY IT IS UP. DAY 10. I NEED ACCESS TO MY MONEY, AND IF THEY NEED MORE PROOF OF WHO I AM THEY CAN COME OVER FOR TEA OR DO A DNA TEST. NOBODY, NO PERSON DISPUTING ANY TRANSACTIONS. CASH APP CREATED A FAKE DISPUTE, JUST TO COLLECT THE MONEY AND NOW HOLD IT, MY ACCOUNT IS FROZEN. I DEMAND A FULL NOTICE OF SOCIOLOGY POSTED ON MY CASH APP, SO FRIENDS AND ASSOCIATES CAN REGAIN FAITH IN ME. THIS HAS BEEN DAMAGING TO ME AND MY CHARACTER. I WANT A FULL FLEGED APOLOGY IN WRITING, AND I'D LIKE TO KNOW THE ANSWER FOR WHY THEY DID WHAT THEY DID TO ME.
Product: Credit reporting

Experian has my wrong personal information and I have been trying to correct it. My mail is not answered from them. There is no way to contact any customer service to speak to about it. There is no way to fix the issues online since they have the wrong personal information about me. I have zero way of accessing or correcting the wrong addresses and Birth date on my credit report. For a company who holds so much power over an individual it should not be so impossible to fix errors made on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Product: Debt collection

I've requested validation & verification of this alleged debt and only received a non detailed statement of this alleged debt. I also requested the original signed contract " not copy '' in which I've never received I only received a computer generated copy of initials which could be copied and paste. Medicredit has failed to validate and verify this alleged which is a direct violation of FDCPA pursuant to 15usc 1692g that states in order to collect on a debt all items requested by consumers should be provided. This alleged debt constitutes fraud, I've also been contacted at place of work after I requested to not be contacted. Which are violations 1. Place of work 2. After I sent cease & Desist. Medicredit is alleging I XXXX XXXX owes a debt. This is erroneous and misleading the alleged debtor is XXXX XXXX which is not my name.