23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This compliant involves debt collection agency XXXX XXXX XXXX acct XXXX. I have made efforts to dispute the validity of the item with Experian and the company. A complaint was made with XXXX for XXXX XXXX XXXX and was unfairly closed with no resolution. As of today Experian has approved the validity of the account AND reported an unrelated address reported by XXXX XXXX XXXX. Address XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX is listed as second residential address. The type of address is listed as a residential. However, research list the address as a commercial property. I have never been associated with the state of XXXX in any capacity. The erroneous information provided by the collection agency is evident the account was not properly verified. Experian has repeatedly shown incompetence when reporting consumer information. I demand the address along with XXXX XXXX XXXX information to be removed from credit profile at once.
Product: Checking or savings account

Dear CFPB official, I am writing to dispute the promotion for my TD Beyond Checking account. 

On XX/XX/XXXX, I opened a TD Beyond checking account at one local branch ( XXXX XXXX XXXX, XXXX, MA XXXX ). The representative who helped me open the account explicitly told me that I will be eligible for a {$300.00} bonus if I can make direct deposit totaling {$2500.00} or more within 60 days of account opening. He did not mention anything about online application. However, I have not received the bonus after I met all the requirements. I contacted TD Bank since XX/XX/XXXX about this issue and was told that the bonus is only for online application, which is inconsistent with what I was told when opening the account. 

After arguing with TD Bank multiple times, I was told on XX/XX/XXXX that my inquiry was forwarded to their Promotional Department Team for further review. I received the response today saying that the only promotions for accounts opened in the store was the Direct Mailer offer at the time of my account opening. Upon additional review, their records reflected that my address did receive a mailer, but it was not addressed to the signer who opened the account. Thus, my account does not qualify for their bonus. However, I have never heard about the Direct Mailer offer by TD Bank. When I opened the account, I was clearly notified that I would receive the {$300.00} bonus as long as I meet the direct deposit requirement. 

I have no idea whether/how the representative who helped me open the account assigned promotional code. No matter what the problem was, I am the victim of the mistake and I should have been provided with the bonus that TD Bank promised me. I look forward to your reply and a resolution to my dispute. 

Thank you for your assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX You applied for a credit card on XX/XX/2023 I received the above information via email from XXXX XXXX and Experian XX/XX/2023. I did not authorize the credit card application and the address used was an old address ( XXXX XXXX XXXX, XXXX, OH- I have not lived in Ohio for 7 years ) XXXX XXXXXXXX divulged that someone used my name, DOB , and SS # to apply for a credit card. It is now noted as fraudulent. I froze Experian and reported fraud to XXXX and XXXX XXXX.
Product: Student loan

I have been paying my loan for almost 20 years and still paying basically interest only. My accrued capitalized interest has risen to {$30000.00}, resulting in me paying 75 % of interest on every $ XXXX monthly payment. At this rate I will never pay this off. I still owe ( from 1996 ) {$90000.00} and only borrowed {$58000.00}. My rate is higher than anything else I own at 6.25 %. I have an XXXX credit score, so have nothing over 3 % and ca n't refinance or pay my loan off. My main question is how can I eliminate the capitalized interest charged and reduce my rate? This fact is not allowing me to make principle payments to reduce my debt. I had a hardship after my divorce for two years, but I still should n't have to suffer. Please advise this ca n't be legal and there has to be limits to term and interest counted for. 

I stress - I just want to pay what I borrowed so I can get my life back. Right now XXXX % of what I pay is going to interest. I ca n't even deduct the interest on my taxes. Please help me find a solution! 

Thanks
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX  account number ( XXXX ), XXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? 
I request for the third time that you provide the method of verification you used. Your response should provide :
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX 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

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the National Consumer Telecom & Utilities Exchange ( NCTUE ) investigated. I am unable to get in contact with them. Perhaps they are a shell company set up for some illegal tax scams??? My efforts to contact them are useless! 

In an effort to help prevent identity theft, my wife and I tried to get various credit reports frozen. We contacted NCTUE to freeze our NCTUE credit reports that they have on file for us. We expected them to respond with a PIN # to unfreeze our credit reports if ever needed. Our efforts to get any kind of communication from this company failed again and again. Perhaps they are criminals hiding something. Perhaps they are super incompetent in performing their basic clerical jobs. I dont want to be narrow minded and think out of the box a little ; perhaps they both incompetent and criminals. 

On or around XX/XX/2019, I tried freezing our credit report by using their website ( https : //www.exchangeservicecenter.com/freeze ). Their website for accomplishing a freeze DID NOT WORK. 

On or around XX/XX/2019, I tried freezing our credit report by using their telephone number ( XXXX ). This telephone number to freeze things DOES NOT WORK. 

On XX/XX/2019, I sent to them two letters via certified mail requesting a freeze of our credit reports. According to my local U.S. Post Office, at least one letter ( probably both letters ) was delivered to them on XX/XX/XXXX at XXXX XXXX. The two separate certified mail letters ( one for me, one for my wife ) provided our names, our signatures, address, date of births, social security numbers, home telephone number, e-mail addresses and a copy of a recent utility bill. In the letters I warned them that their website and telephone number to freeze a persons account were not working properly. I told them using the U.S. mail system may finally be the only way to contact them. They have NOT responded as of XX/XX/2019. 

I dont believe in an eye-for-an-eye. If someone takes my eye out, Im probably going to take their head off, just to make the world a little better place. Maybe the NCTUE has lost our personal information, and that information is now available to identity thieves. Of course, I could always travel directly to the NCTUE headquarters in XXXX, Georgia and let my physical presence make it very clear what needs to be done. They better think about it, smarten up, and start responding to consumers. Duh! Whoever you are at the NCTUE, wake the XXXX up!!!! Youre welcome.
Product: Mortgage

Company waited 51 days after credit pull and 4 days before closing to deny me access to my credit which prevented me from closing on my home. They stated the denial reasons as a foreclosure or mortgage obligation, none of which is listed on my credit report. They also state " other criteria '' and " investor guidelines '' in their denial letter and email correspondence, which are not valid criteria in a consumer credit transaction and are discriminatory. I have also indorsed many documents, given securities, and given access to my estate, and I have not been compensated for my security instruments or my equity in this transaction. In their unfair and deceptive tactics, New American Funding has : 1. Denied me credit based on " other criteria '' and investor guidelines which constitutes discrimination. [ See XXXX-New American Funding Email XXXX and [ See XXXX-New American Funding Email XXXXXXXX ] 2. Denied me based on evidence I have not seen and evidence not on my credit report. 
XXXX. Refused me access to the full report which took away my right to dispute any inaccurate information. [ See XXXXNew American Funding Email XXXXXXXX ] XXXX. Committed securities fraud by taking in a security loan against my personal property and not compensating me. They are also masking themselves as creditors in order to strip me of my status as principal and my entitlement to the proceeds funded by the consumer/commercial paper. 
5. Not giving full disclosure on whether loan number XXXX and XXXX listed on the denial letter and other documents are active loans or loans that were denied. [ See XXXX-New American Funding Email XXXXXXXX ] XXXX. Refused to answer whether any funding has been received, moved, or transacted on behalf of the principal XXXX XXXX. 
7. Pressured me to commit identity theft in order to provide proof of their claim.
Product: Credit reporting or other personal consumer reports

I dont recognize these credit inquiries and I have asked for them to be removed. The bureaus did not do as advised. I am providing an identity theft report which I will attach to this and I am requesting it to be removed because they are inaccurate and dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am part of the Experian Data Breach. And now I am getting emails from Experian to protect this information for a fee. 
It seems like Fraud. They leak our information and now want to make money to protect my information they leaked. 

I am over simplifying possibly but that is how I see it.
Product: Vehicle loan or lease

On XX/XX/year> I co-signed for a family member of an auto loan through the lender of Chrysler Capital in XXXX, TX. She ( family member ) has been making on time payments. I requested information on how I could go about taking myself off of the loan since the account is joint and I do not make any payments. They stated, we dont refinance nor do we offer a cosigner release process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!
Product: Debt collection

I have a debt collection on my credit report from National Credit Adjusters for the amount of {$640.00}. I have not taken out a loan nor so I know who this company is. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have not been associated with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my husband and I financed a car with XXXX XXXX XXXX. We searched for a car dealer that reports to all 3 credit bureaus and chose XXXX XXXX XXXX for their advertising statements that they report to all 3 credit bureaus. For 1 year and 2 months this company reported our on time payments/never late to all 3 credit bureaus. InXX/XX/XXXX they stopped reporting to any credit bureaus. We contacted the owner XXXX XXXX who advised us that for his business needs he has stopped reporting. We advised him that we only went through his company because he reported to all credit bureaus. We insisted that we were never notified in advance of a change to his business practices and reporting processes. He said there was nothing he can do. We feel like we were mislead with false and misleading business practices to get a loan with his company. This has now ruined our opportunity to purchase a home and has now stalled our credit report.
Product: Checking or savings account

On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). 

I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. 

On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX  home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! 

I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. 

They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? 

I still think they are trying to avoid paying the {$200.00}
Product: Credit reporting or other personal consumer reports

On XXXXXX/XX/year> I submitted a direct dispute via certified mail to Equifax demanding they remove all inquiries and all fraudulent information from my credit report however Equifax did not remove anything in fact they were being bias and keep the information on my credit report after Ive sent in proof of identity proof of residency Now today as of XXXX they have not removed the inquiries and fraudulent accounts from my credit report in which now Im filing a federal suit and seeking financial damages and EQUIFAX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE
Product: Checking or savings account

US bank closed my account ; as there were attempts at fraud on my debit card ; and credit cards with them.I received a call ; and she says ; well you are in Texas where we have no branches there ; find a new bank there.This was XX/XX/XXXX.So far one excuse after another why the money left in the acct. have not been returned in 40 days.Imagine if that was my life savings.Many calls ; no action.
Product: Student loan

My current student loan servicer is MOHELA. I received an email from MOHELA on XX/XX/2023 that instructed me to call in to discuss available options to bring my account current. Since that time I have called MOHELA several times, including 3 times on XX/XX/2023 and once on XX/XX/2023. Between these phone calls I have been placed on hold for over XXXX hours and each call resulted in the line being disconnected rather speaking to a representative. Their automated phone service says that I can arrange to get a call back rather than waiting on the line, but I tried this several times and never received a call back. I also tried to call MOHELA earlier than that, on XX/XX/2023, which was not successful after I was told the hold wait time would be over XXXX hours. I find this to be an outrageous use of my time. I work full time and the time I can not afford to be on hold for over XXXX hours. It was MOHELA who instructed me to call them, and yet they do not appear to answer phone calls. They also provide no email address for communications. They are telling me they are sending debt collectors but I have had no opportunity to speak with someone about my issue ( which, on a separate note, appears to be that the payment was sent to the wrong account )
Product: Checking or savings account

i close my account cause my the bank was taking my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with Experian and they refuse to investigate. This XXXX account does not belong to me, and I have confirmed multiple times that the date of first delinquency was back in 2010, but it has been continually re-reported as a later date. It is now over XXXX XXXX XXXX and Experian refuses to correct or remove this now obsolete account that does not even belong to me.
Product: Credit card

In XX/XX/2023, I was notified that my credit report had been obtained by three different lenders : XXXX  ( for XXXX XXXX XXXX credit card ), XXXXXXXX XXXX ( for XXXX credit account ) and Discover Bank. I immediately called all three companies to report that I did not authorize them to pull my credit and had not applied for credit with them, and requested that the inquiries be removed from my credit report and no credit issued. XXXX and XXXX responded promptly and did as I had requested. 

To date, Discover Bank continues to insist that I am responsible for {$2800.00} in charges and have come to the conclusion that all charges were conducted by me. The charges were all conducted New Jersey using my XXXX XXXX account. I have never been to New Jersey and my XXXX has never been out of my control. At this point, Discover indicates they have reopened the investigation after I contacted them. 

I have complied with all of Discover 's requests, including sending a comprehensive Affidavit of Identity Theft Victim Information report and a copy of the police report I filed. 

These charges were not made by me. I did not authorize them to pull my credit or to open an account. As of today 's date, they have reported the line of credit to the credit reporting agencies as an open credit card line of {$8000.00} and a balance due. I am very concerned about any negative impact to my credit. 

I have other credit cards with very high ( unused ) availability that have been in place for years. It would make no sense for me to apply for a card with Discover.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Kohls credit card through Capital One. I had been making payments on the card until XX/XX/2019 when I paid the {$740.00} balance off. I requested at that time for the card to be closed. What I didnt know until a credit alert through XXXX   on XX/XX/2019 was that I had paid them twice. 

I received an alert from XXXX that I had a past due bill of over 90-days in the  amount of {$770.00}. I called Kohls and the stated I did have a credit balance and they would mail a check for a refund. I requested they notify the credit bureaus. They said they would. As of today, I still have a past due balance and it continues to accumulate in time.