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

Opened a Citi Checking & Savings accounts for a {$700.00} bonus.

- Funded the account and completed per instructions from beginning - Multiple times check with Customer Services if I completed all requirements and always received the " Yes, you follow all requirements & will receive a bonus around the end of XXXX '' - Never received the bonus > Submit a Case to Citi team > The response was " Unfortunately, your account does not qualify for this promotion because the Citi Global transfers are not considered a qualifying deposit. '' - I called Citi to follow up and was told I can't respond to the result of the ticket, and nothing else I can do. When I applied for the account, there is no info in the disclaimer or any info related to " Citi Global deposit '' is not acceptable.
Product: Debt collection

This is a complaint from XXXX XXXX against AFNI for AFNIs failure to provide requested information for the debt alleged. AFNI has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, AFNI responded to this request providing only statements for the original account, but no chain of title or documentation showing proof of ownership. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

I reached out to the Company to receive a copy of the account in question or verification of a signed original contract between myself and their company and they refused to provide me proof of any such contract. I asked them to remove the fraudulent account as it is more than XXXX XXXX XXXX, and they refused.
Product: Credit card or prepaid card

Hello, I am reaching out to CFPB due to the fact that my current bank ALBERT BANK a product of XXXX XXXX refuses to help me with fraudulent transactions on my account, in spite of the fact I have submitted evidence of these unauthorized transactions on my account. There are over XXXX back to back transactions bearing the name XXXX totally {$130.00}. They are each either for XXXX, XXXX, or XXXX. The bank claims they did an investigation but this is false because how can you tell me I authorized charges that I never did? My card was fraudulently used. The bank has no phone number to reach a representative, they send emails and it takes days to get a response. They closed my claim without considering the evidence for trying to resolve my situation when money was fraudulent stolen out of my account in the form of XXXX + random small transactions that all look similar, a clear indication of fraud.PLEASE HELP!!
Product: Credit card

Denial of credit for too many inquiries on my account for past 6 months.
Product: Credit reporting or other personal consumer reports

I discovered on XX/XX/XXXX that my Sezzle account was reported as suspended while updating my XXXX credit report. I called to inquire about inquiries that should have been removed from a fraud claim related to inquiries made by someone attempting to buy a car. I was not expecting to see my Sezzle account as suspended. My account is not suspended. Its actually in good standing. I have not allowed this account to be behind 30 days because it is being reported to the credit reporting agencies. I was finally able to contact Sezzle on XX/XX/2024 at XXXX XXXX  & spoke with XXXX. XXXX confirmed that my account is not suspended & is in good standing. She sent me an email and I sent proof that my account is being reported incorrectly. XXXX has escalated this. Hopefully, we can get this resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently reaching out to the CFPB for help regarding an account with XXXX XXXX that hat has caused me severe XXXX, economic and XXXX  problems. In XXXX I spend XXXX dollars with XXXX and paid it back without a problem, in XXXX my business was disrupted because of covid and I was closed down unexpectedly. This caused me to miss 3 monthly payments with XXXX. I reached out to XXXX explaining my problem, and requested a payment plan but was denied that option. In XXXX a member of management from XXXX reached out to me and after learning of my situation, transferred me to a Claims Specialist to further assist.. The specialist went over various options, so I chose the more affordable for me. I am attaching a copy of the agreement with this complaint. I was promised no interest and no late fees, and a report to the credit bureau. After making 3 monthly on-time payments XXXX promised to reinstate my account. 
This agreement has been breached by XXXX. I have gotten charged interest, and late fees, and incorrect information has been submitted to the credit bureau. Thius has caused me a great number of problems, including a decrease in my credit score. I have tried getting this fixed on more than 12 occasions, including 4 with XXXX, but XXXX refuses to correct the information. This company is abusing its power and is breaching its agreement with me. The negligence of XXXX XXXX has caused me the opportunity to qualify for a loan that would have saved my business and home. 
XXXX has shown no mercy and has refused to correct the error. XXXX has automatically deducted the payments from my checking account and refused to report this to the credit bureau. I need help against this monster of a company that has caused me so much pain and suffering.
Product: Credit card or prepaid card

I made a cash payment for {$100.00} to satisfy my minimum payment. On XX/XX/18, I paid {$1400.00}, Lowes updates my account showing payment was received. However its being reported on my credit report as having only {$550.00} available out of {$2000.00}. I spoke with several managers who advised me bcs my account is new, theyll hold my account for 10 days. I never bounced a check or paid late. One manager stated bcs I made a cash payment for {$100.00} and paid {$1400.00}, which was an electronic draft from my credit union. It looks suspicious. I feel like Lowes is discriminating against me. I want my credit available and to be reported I have a XXXX balance with {$2000.00} available in credit. 

XXXX XXXX located in North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC decided to reinsert a negative item on my consumer report that was a result in identity theft. However, they fail to provide the Additional Information the creditor sent in order to verify the accurate of such item, under 15 U.S.C 1681i. Also contact the consumer within 5 days of reinsertion of an item once deleted. 

I received this letter on XXXX/XXXX/XXXX for deleted & reinserted on XXXX/XXXXXXXX. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 

How was a fraudulent account verified? What investigation did TransUnion do?
Product: Student loan

MOHELA.. 

I have been waiting since XX/XX/XXXX for my IDR to be processed. I consolidated my loans which triggered ANOTHER IDR application to pend on XX/XX/XXXX. They put me into administrative forbearance without even telling me. 

I called MOHELA on XX/XX/XXXX at XXXX XXXX to see where the process was at and was informed at this time that they needed more recent of payment so I was told to upload those documents and gave me instructions to do so. ( I still wonder when/if they were going to notify me this was needed. ) Well... it appears that triggered yet ANOTHER IDR form to be processed except it is not an IDR form, it is just the pay stubs requested on XX/XX/XXXX. Because they considered this the main 'application ' being processed I am not able to see my true IDR application that I completed to confirm I will be on the SAVE plan as I have been trying to get onto. 

In addition, they suddenly and without my consent put me onto a standard repayment plan called 'level ' payment and threw me into repayment. I work for a non-profit and am participating in PSLF which requires me to be on an IDR plan, I can't be on a standard one because it won't count. I called yesterday XX/XX/XXXX and was given a total run around by a trainee after asking to speak with a supervisor. The trainee said I'd stay in forbearance until next month and to call again then if the application isn't processed. 

I'd like to add that I called the second they opened and was told I'd have a 1 minute wait time which turned into 45 minutes before the call was disconnected. The 2nd time I called after having been on hold that entire time, the wait time was over an hour. However this is light compared to other attempts to reach them and its over 200 minutes to wait. At this point they turn off the call back option and you either wait the time or can't talk to them! This has happened to me on multiple occasions. 

I just want to get on the SAVE plan and complete my payments to be done with this crooked company. Every day that they push off these applications and put people in forbearance, it is more money in their pocket as interest is accruing, it feels criminal.
Product: Consumer Loan

This company does not use proper collecting practices when calling consumers, they never recite the disclosure statement when initial contact is made, the agents use threats of actions they can not legally carry out. Today XXXX/XXXX/XXXX an agent threatened my daughter whom has assumed payments on my common law husband XXXX Cadillac DTS. The agent told her that XXXX my vehicle a XXXX XXXX that was purchased at a later date and different owner account is connected and since she could n't make payment XXXX vehicles will be sent up for repossession. An agent by the name XXXX refused her partial payment stating she has to have the whole payment putting her further behind. These agents have made personal remarks insinuating having a personal relationship with my husband to my daughter. My husband even called today to ask for a 10 day payoff and again the said representative XXXX replied she would call him tomorrow with that information. A 10 day payoff should have been performed while my husband was on the line, there 's no way he should have to wait for that information.
Product: Credit reporting or other personal consumer reports

I have called Credit Acceptance and XXXX XXXX XXXX several times to figure out what is going on regarding missed payments for a XXXX XXXX. The only missed payment that should have been reported was for XX/XX/XXXX, which was then paid in XX/XX/XXXX. Around XX/XX/XXXX, missing payments from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  were reported to the 3 credit bureaus. Both Credit Acceptance and XXXX XXXX XXXX are saying they do not report missing payments to the credit bureaus, but neither will give me something in writing stating same. I have even asked for logs of the missing payments, but no one will respond. I can not get a copy of the signed lease agreement or financing documents. XXXX XXXX XXXX refuses to acknowledge in-writing that the vehicle 's whereabouts are known to them, they just refuse to get the vehicle. Overall, this is very fraudulent behavior- especially given that Credit Acceptance was willing to settle and close the lease agreement after the XX/XX/XXXXXXXX  payment was made.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

when I was in XXXX in XX/XX/year> someone opened a XXXXXXXX  account in my name. I have twice had this placed in collections and twice had it removed. I have filed a police report and reported it to XXXX. They have it confirmed as a fraudulent account but it has once again been placed in collections against he FDCPA. 

I want this permanently removed from my reports and I want compensation for the illegal placement from both XXXX  and from the new collection agency Transworld. This is messing my life up and right in the middle of getting ready to buy a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has failed to prove validation of my debt. They provided me with copies of copies of the contract. That under the Fair Credit Reporting Act is not considered proof/ validation. Validated proof would be the original contract with my wet signature. This account is paid off, so I demand it to be removed from all four credit reporting agencies immediately. They failed to provide proof of my late payments. They failed to remove the late payments and/or remove the account completely from my four credit reports.
Product: Debt collection

This company is inaccurately reporting information on my credit report. These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear in my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file.
Product: Debt collection

Made aware through employment rejection that credit report contained potentially fraudulent accounts or misreported information. 

I found the information to be unverifiable and sought inquiry as to first validate the debt. Written communication was sent on XX/XX/XXXX, via certified mail seeking debt validation documents ; still not provided as of XX/XX/XXXX ( 33 days ). On XX/XX/XXXX, a cease and desist letter was mailed to the collection company for inability to validate debt within 30 days upon reception of the request. 

The account in question should be removed from my credit profile immediately, as the right to an expedient resolution has been denied and further consideration only delays employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 15 U.S code 1681n Infamis of pulls for the following pulls : XXXX XXXX XXXX bank - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX & XXXX bank 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  of XXXX account shows that I have a late payment on XXXX XXXX which is incorrect and balance is current and on time. 

Remove all late payments and change the payment status to current because of Cares Act. 

This account was paid as agreed on time I was never late XX/XX/XXXX this is information is inaccurate and completely false. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time Transunion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX Acct # XXXX with a balance of {$12000.00} XXXX  XXXX  Acct # XXXX with a balance of {$5600.00} XXXX XXXX XXXX XXXX  Acct # XXXX with a balance of {$11000.00} XXXX  XXXX  Acct # XXXX with a balance of {$730.00} XXXX XXXX XXXX Acct # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Debt collection

Also I was told that the attorney wasnt able to send any information with his name on it prior to a case that happened some other time.

National Credit System refused to speak with me and I asked to speak with a manager to understand and I was told to contact someone else. Why am I contacting someone else when there information is on the credit report. Seems like fraudulent actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the bank. I had a car loan with them that was included with a XXXX XXXX bankruptcy. That was discharged XX/XX/2021. Recently, XXXX has reported my loan as charged off for XXXX XXXX I filled a dispute with the credit reporting agency.. Experian. The bank says the info was correct. They are not allowed to collect on that debt since it was in bankruptcy. I'm concerned they are going to sell it. Also, this has caused a significant issue with my credit score dropping. Thank you for any assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX provided payoff statement on XX/XX/XXXX and it was good and effective until XX/XX/XXXX. I closed on my house on XX/XX/XXXX and on XX/XX/XXXX title company wired the total payoff amount to XXXX XXXX. XXXX XXXX returned the wire and stated an amount was missing. I was notified by my attorney on XX/XX/XXXX and was told to get a check with the missing amount. I called XXXX and asked what was missing due to the amount wired being the payoff they provided on XX/XX/XXXX. XXXX stated they didnt include the taxes and made an addendum to the payoff on XX/XX/XXXX. I was informed of this by my attorney on XX/XX/XXXX. I did not receive a phone call or message from XXXX about this addendum. XXXX states they sent an email on XX/XX/XXXX. I did not receive an email on this manner. I provided the attorney the missing amount on XX/XX/XXXX which was the day I was notified. Me credit score went down XXXX points due to XXXX changing my status to delinquent over 30 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint because several Mortgage companies that did hard pulls on my account were done. After all, they could get away with it. 1. I am a XXXX XXXX, XXXX. I did not purchase with these companies, XXXX. I only wanted a preapproval letter and 4. I did not give them my authorization to do a hard pull. 5. On websites, I visited, at least the ones I visited said it wouldn't affect my credit score. 6. I haven't made a home purchase yet. I wrote a letter to Experian telling them about the situation. I was told the only reason they would do a hard pull is when I am ready to make a purchase and I send in my income and bank statements so they will know then and only then will they do a hard pull. I am also complaining about inquiries that should drop off and they don't drop them either. I have not gotten a response from them at all. My credit score with Experian dropped XXXX points since the first of the year. I have even closed some cards and modified a lot of things on my credit but Experian doesn't want my credit scores to be better. They have a vendetta against customers with high scores. I believe they get some incentives to keep customer scores low, apparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 the XXXX XXXX XXXX XXXX XXXX has been satisfied and is not a collection item. This can be verified via XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( XXXX ) days past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a transaction history on this account and it clearly shows that I have never missed a payment. More importantly, this transaction history shows that monthly payments were made PRIOR to the late fees being assessed. There is a consistent pattern of late fees being charged AFTER a payment was made! This false reporting of lates is seriously harming my credit score and these lates need to be removed from my credit report. I have contacted the bank and the ( 3 ) bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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