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

On XX/XX/2021, I went to the Fifth Third Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to open a checking account. I had an invitation code that gives me a {$250.00} welcome bonus. XXXX XXXX, the banker who opened the account for me, didn't use my invitation code and stated that she already has this offer in the system and will apply it to my account. 

When I went back home, I realized that she signed me up for the {$150.00} welcome bonus instead of the {$250.00} so I went back to the bank and this time I met with XXXX XXXX, the branch manager, he asked me to email him the invitation code, which I did. He reassured me that he will manually add the additional {$100.00} after I meet the requirements. 

On XX/XX/2021, I received an email from XXXX XXXX saying ; I am reaching out to inform you that we have submitted the adjustment for your {$250.00} bonus offer and it will be credited to your account after processing. 

On XX/XX/2021, only a {$150.00} bonus was posted to my account. On XX/XX/2021, I emailed XXXX XXXX to inquire about the additional {$100.00}. On XX/XX/2021 She replied ; I have been working on getting the other half of your bonus. I was told to submit another form for the correction and then you should see your {$100.00} in your account. 

It has been 6 weeks since the {$150.00} bonus posted to my account and I still didnt receive the additional {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet is reporting incorrectly that I am 120 days past due on partial account numbers : XXXX and XXXX ( please see page 14 of the attached credit report ). I was XXXX at this time ( copies of orders attached ). Pursuant to the XXXX ( XXXX XXXX XXXX   XXXX  ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the XXXX  listed below.

Benefits offered by the XXXX include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX  for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on XXXX XXXX Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to XXXX percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your XXXX rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. 

Acct # XXXX
Product: Mortgage

Incorrect loan transfer amount : My loan was transferred on XX/XX/20 from Planet Home Lending to XXXX XXXX XXXX. They transferred {>= $1,000,000} but the transfer was {$230.00} short ( image attached ). Planet Home Lending show an additional disbursement was transferred to XXXX XXXX XXXX for {$230.00} on XX/XX/20, but XXXX XXXX XXXX has never received it. I have sent numerous emails to Planet Home Lending since XX/XX/20 ( attached ) as well as called numerous times too. The emails are being ignored and the person on the phone always tell me it will be taken care of but nothing happens. 

I am very disappointed that my money has disappeared and Planet Home Lending does nothing about it. 

Please can someone help return my money as Planet Home Lending seems not to care. 

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

ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX   ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian - XX/XX/XXXX Lawsuit filed for improper investigations of consumer reports. difficulties disputing inaccurate information on my credit report. Delayed responses and failed disputes with continual erroneous information on my credit report. - Disputed all collections and amounts with minimal communication from bureau. 

Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. 


XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau. 

XXXX - Inaccuracies via collections with inaccurate dates and amounts. Inaccurate addresses, lack of proper communication. Inadequate investigations of disputes. 
Collections inaccurate with no verifiable consumer contracts on file. Please seek immediate removal. Disputed all collections and amounts with minimal communication from bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX/XXXX/2017 I submitted a dispute on a student loan incorrectly reporting to my credit file. The following account was claimed by the credit reporting agencies to have been investigated when all indications say it was not. In the recent past if I disputed an item that company contacted me about the dispute. I have asked the company directly to give me an account status with no response. In a phone contact, I asked if there were contacts from the credit reporting agencies, the answer was negative. I feel that because the business of the credit reporting agencies is to report bad credit they do everything possible to maintain it even when it is unverifiable and incorrectly reporting. Multiple requests for the Method of Verification went unanswered. 

XXXX XXXX Please remove this file from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts from Navient that show delinquent on my report that should be closed. These accounts were DISCHARGED on my Chapter XXXX bankruptcy earlier this year! My public records list Navient ( private loan ) as DISCHARGED, through the bankruptcy courts of 2018! Why has it shown discharged before, but now its showing delinquent & im getting emails & phone calls from them. I even submitted my discharge papers to Navient, but they continue to harass me!
Product: Payday loan, title loan, or personal loan

I applied for a {$1400.00} loan from target cash now. The payments were set up to be deducted every 2 weeks from my bank account and I could pay my loan off or down with no penalties or fees. 

XX/XX/XXXX was my first payment of {$290.00}. I also paid {$500.00} to my principle therefore lowering down my loan balance. 

Once the {$500.00} payment was applied they did not remove that amount from my outstanding loan balance. Instead they only took out the {$58.00} from the initial {$290.00} payment leaving a loan balance which they are charging me like 700 % interest on as {$1300.00}. Clearly this is wrong and I have called and emailed with no help. The last time I expressed I wanted it in writing they told me to call their customer service. 

I have specifically asked them to give me the breakdown via email so I fully understand why they are charging me interest on the wrong balance with bo luck. I feel I have been scammed. 

Thanks for your help. I can forward email conversations if requested.
Product: Credit reporting or other personal consumer reports

I am requested that Experian and XXXX delete an item on my credit report that has been inaccurately reported. Specifically, the item in question has been removed from my report by XXXX credit bureau, after they completed their investigation they found the information was inaccurate and unverifiable. 
Company XXXX XXXX Account # XXXX I am demanding that Experian and XXXX Delete this account from my credit file due to the following inaccuracies. EXPERIAN report this account as open collection. XXXX report this account as closed and charged off. While XXXX deleted this inaccurate account from my credit file. I previously requested for this account to be deleted from my credit file. However, Experian and XXXX responded back that the account was verified and they updated it in my credit file. I requested that they provide me documentation of the verified account, but Experian and XXXX both refused to provide me documentation and verifiable information. As a consumer its my right under FCRA to be provided such requested documentation and also everything on in credit file must be accurate and verifiable. Credit agencies are required to only report accurate information in a consumers credit files.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I detected three errors in my statement for my Bank of America Visa credit card. The first error was from XX/XX/2022 in the amount of {$800.00}. The second error was from XX/XX/2022 in the amount of {$1600.00}. The third error was from XX/XX/2022 in the amount of {$3200.00}. The total amount in error is {$5600.00}. All three transactions are listed as ACH Payment Refund. I did not request any payment refunds on my credit card, nor did I receive any payment refunds. These charges are fraudulent and as such, must be removed from my statement. 

I contacted Bank of America regarding this issue via phone on XX/XX/2022. They issued a new credit card number for this account and provided extra security online and by phone. I was told that I would receive a letter of resolution within 5 days and have received no such letter and the underlying issue of an outstanding charge has not been resolved. I did find an online document stating that all complaints must be submitted in writing. I don't know if this was present in my online account prior to my complaint or not, but I was not told that I needed to submit anything in writing when I called. I have mailed in a complaint, which was received XX/XX/2022, but have not heard anything further. 

One other thing of note : I was told that a number not associated with my account had been calling repeatedly and had been flagged as a suspicious caller, however, they were still allowed to make and receive the ACH payment refund request. This was allowed to happen, not once but three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open ANY account with " THE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX, ( XXXX ) XXXX '' nor did anyone in my household or any of my relatives. TransUnion 's and XXXX 's and XXXX 's credit reports showed this account as open in my name and showed that I owed {$7900.00} but this is WRONG. I disputed this with XXXX XXXX XXXX, TransUnion, and XXXX. on XX/XX/2023, Transunion investigated ( File Identification Number : XXXX ) and THE XXXX XXXX verified the account as accurate when it was not. The XXXX XXXX account was fraudulently entered in my name ; I have never opened such an account. This account must be removed from my credit report and my name must be removed from this XXXX XXXX account.
Product: Mortgage

My Mortage with the help ofXXXX XXXX XXXX  have fraudulent removed more than {$8000.00} from my escrow account the companies that got my money is XXXX XXXX XXXX XXXX {$4200.00} Flood Insurance Certificate NoXXXX XXXX XXXX XXXX {$1800.00} Home Owners Insurance Policy No. XXXX, XXXX XXXX {$1700.00}. 
Homers Owners Insurance. Policy XXXX all this was done by Mid American Mortage , Inc. XXXX XXXX XXXX XXXX TX XXXX
Product: Student loan

I have been working to pay off my {$140000.00} in student loan debt with XXXX then turned into Navient. I have said since day 1 I would always pay my loan bills on a Friday and yet the payment would not be applied until the following Wednesday. Considering the amount of money I owed as well has having interest that was compounded daily this was a large sum of money that I was still being charged in interest but had technically already paid. Whenever I called Navient to speak to a representative about the issue they said that interest was really joy charged but I certainly could tell it was. Also, when my loans first came out some of them were grouped into " billing groups '' so on the website if I wanted to specifically pay the highest loan with the highest interest ( makes finainal sense ) I could n't because the payment would be applied however they saw fit as opposed to being billed directly to the loan I wanted it to. I actually had to call and ask them to release certain loans from billing groups in order pay those ones off faster. I never felt comfortable with the this company and I always felt as though the interest I was being charged was very unfair. They also changed the interest rates on my private loans without any notification.
Product: Money transfer, virtual currency, or money service

1st of June I was in the market for an apartment in XXXX MA A person with the name XXXX XXXX, offered say that was the realtor for a property. We signed contract, send him security deposit and first month rent. 
Total {$3800.00}. 

When we got to the apartment, no one was there to meet us. The documents and the photos he used were faked. 

We filled complains with the banks and the police.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous documents in the mail from Capital One Bank telling me that I was prequalified to receive a new credit card from them ... They included a preference code as well as Security code to use online or when I called them in person to get accepted for this credit card ... I think that was just to bait me into their scheme.. Now get this, I have an XXXX credit score with all 3 credit bureaus and Capital One declined the credit card issuance to me after making me, the applicant go through their online website, and go through their lengthy online credit card application and then tell me that I am not approved with no reason ... They gave me no valid reason for declining me the credit card and now furthermore, I am now getting dinged on my credit reports with the 3 credit bureaus and loosing points on my credit scores with these 3 credit bureaus because off these jokers /misfits /or plain scam artists ( whatever you want to call them ) that they knew they couldnt make any real money off of me, while they say that you can pay up to XXXX % interest rate on the outstanding credit card balances based on the applicants credit worthingness. These type of banks should be penalized, fined, and I should be have my credit score returned to the proper level and score before these jokers got involved ... .. If you dont do anything about these type of business procedures, then you are not doing your job as well and should terminate your operations as well ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct and update the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 am enrolled in automatic payments with Comenity Capital Bank which represents the My BJ 's Perks World Mastercard account I use. On XXXX XXXX they withdrew {$280.00}. This amount included the {$150.00} I owed from my XX/XX/2020 statement and the balance were charges from my yet to be billed XX/XX/2020 statement. 

When called and questioned, they could not offer any explanation for this other than there were credits applied to my account for some fraudulent charges. I find this unacceptable and, hopefully, illegal.
Product: Credit reporting, credit repair services, 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  Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

There are many accounts, collections, & hard inquires on my account XXXX - XXXX XXXX  XXXX- XXXX XXXX- XXXX There are also XXXX hard inquires & XXXX soft inquires that need to be removed In accordance with the Fair Credit Reporting act Convergent These accounts have violated my rights. 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