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

I opened a new BB & T Bright Banking checking account at XXXX XXXX XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, MDXXXX ) on XX/XX/XXXX. I was assisted by XXXX XXXX XXXX, a branch banker whose contact number was XXXX. After finding out that the advertised bonus was not credited, I visited the branch in person on XX/XX/XXXX and found out that he was no longer working there.  According to the checking promotion when opening the account, using U app by BB & T bill payment service to initiate 3 online bill payments of {$25.00} or more each from the the new checking account within 75 days of account open date ( XX/XX/XXXX ) before XX/XX/XXXX and maintaining a good standing ( no XXXX or less than XXXX   balance ) checking balance per statement cycle for 120 days after account opening, I should have been credited a {$200.00} bonus within 4 weeks of meeting the requirements. I met those requirements in early XX/XX/XXXX and the bonus was never credited. I can provide the promotional card and account balance details downloaded from BB & Ts online banking. 
After the 4 week waiting period, I visited my new banker XXXX XXXX   at the XXXX XXXX branch in person on XX/XX/XXXX and was told that she couldnt resolve the issue at the branch level, would submit the case to the marketing team, and someone would get in touch with me within 24 to 72 hours. However, I never received that call. Eventually, I reached out to the customer service on the phone and hoped to get help from them. They confirmed my personal information and told me that they need more research on my case and hung up on me twice without giving me a case number that I could have followed up with. In addition, the customer service representatives never called me back for further assistance. At that moment, I realized that no matter how many times I call, I would get the same answer all over again.  Furthermore, when I was opening the checking account, I double checked with the former banker on the authenticity of the promotion and he confirmed it. I have never experienced this degree of dishonesty before. It seems no one in BB & T is actually willing to look into the case.
Product: Vehicle loan or lease

I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!
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 XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX 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 card

My eyeglasses required for me to see were broken. I went to the nearest XXXX  to have them repaired or get a new pair. Per my insurance policy, this is a covered expense. The store insisted to charge me. I verified with the insurance company that it should have been covered and they stated the provider must submit a claim. Provider refused to submit claim. Therefore I filed a dispute with the Citi card. They denied the claim although it is listed as a dispute covered by their resolution process. They forced me to submit documents countless times which was at an expense to me as were the financial, emotional, and medical damages done. 

There are several other issues I have had with this card/creditor which are violations of the FDCPA. 
This includes charges which were not made by me and unauthorized on my account for which they have not followed dispute process fairly and continue to charge interest on. 

Also refused to issue a new card to me for several months. 

Authorized ACH payments from my bank account which I did not authorize. 

Claimed that I was at fault for these returned payments and charged late fees. 

Impossible to contact by phone, text message, or online messaging for payments, disputes, settlement inquiries. 

Harassing emails late at night regarding unjust debts. 

Abusive contact without any apparent purpose.
Product: Money transfer, virtual currency, or money service

I writing to discuss the use of the Zelle App. Starting XX/XX/year>, I used Zelle monthly to transfer money and it was concerning at times that I may not be sending the money to the correct person. There was no warning or option verify I was sending the money to the correct person. If my money transaction was sent, there was no confirmation that the correct person received the money. In this case, the money sent incorrectly would leave to lost funds on my end. There were significant issues with the platform and it neglected to protect me as a customer when trying to use the app properly. This left users in a vulnerable state when large amounts of transactions were made.
Product: Credit reporting or other personal consumer reports

Some accounts should be reported that are not. I am a victim! I really need help to fix this problem immediately so I can continue with my life and not be hindered due to illegal credit reporting! I beg you to fix this! I demand to DELETE the following accounts from my credit report. 

1. XXXXXXXX XXXX XXXXXXXX Credit Card 2. XXXX XXXX Credit Card INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been trying to renew my income based payment plan and switch to the SAVE plan on the aidvantage.com site since XXXX. I have spoken to their customer service and my application is still in limbo.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an official and urgent demand for immediate correction of the blatant inaccuracies in my consumer credit report, which I lawfully obtained under the Fair Credit Reporting Act ( FCRA ). Your continued incompetence and failure to abide by the explicit legal standards outlined in the FCRA is not only unacceptable but also a direct violation of my rights as a consumer. The FCRA mandates, in no uncertain terms, that all information within a consumer credit report must be 100 % accurate, verifiable, complete, and timely. I will not tolerate anything less than full adherence to these legal obligations99.9 % accuracy or verification is not acceptable. I expect immediate proof that the information you have reported is in full compliance with federal law. Anything short of absolute accuracy and legality will result in further escalation, without hesitation. Listed below are the specific tradelines that are erroneous and defamatory. I expect not just a review, but an immediate correction of these items. Your failure to do so is a reckless disregard of your legal responsibilities and will not be taken lightly. 

XXXX XXXX XXXXXXXX - XXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank is reporting a late payment on my account after i have asked them as a goodwill to remove the late payment.i disputed these late payments on this account with the credit bureaus and it came back verified i have since then contacted the company and haven't received proof of late payments. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going over my records & detected the fraudulent information and account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already REMOVED this fraudulent information so my question is why do you still report this harmful record? I have already disputed this item quite a lot of times and specified that I am an identity theft victim. I even sent my FTC report I filed online on their website and the Police Report I filed on my local Police Department alongside with my personal information and documents but still you decide on to continue reporting this account. Credit Bureaus are guaranteed to fulfil with the FCRA regulation section 605b but you never feel a concern nor paid any consideration to my Disputes. You became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. Now, I want you to GET RID OF this account from my file like the other bureaus have completed. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ 0-Late/Closed Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated XXXX XXXX # XXXX, XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Adjust # XXXX Were all properly investigated but how is that possible if there are still numerous inaccuracies on my credit report amongst all three Credit reporting agencies with more than 3 inaccuracies and inconsistencies per account such as, the date last active, open date, credit type, account rating and more. This is grounds for removal They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They also. Violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer. 

Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report.
Product: Student loan

I have had student loans that first were with Sallie Mae and later moved to Navient. I attended school for the loans with Navient in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX I struggled to make payments on this loan due to being a stay at home parent with my spouse in military service. I was only ever offered hardship forbearance as a resolve to the payments. This causing my balance to continue to increase with interest fees. I went back to school in summer XX/XX/XXXX obtaining a student loan from a different lender, XXXX. When I stopped attending school I was contacted by this lender for payment options. They asked multiple questions and even though I now had income I did not previously have they explained that I qualified for a income driven repayment plan. This option would avoid additional cost being added to the balance but I would need to contact them each year to re-certify my qualification. They completed my application which the Department of Education applied to both my loans with XXXX and Navient. This income driven repayment option was never offered even when my family was qualifying for state assistance programs that Navient inquired about while applying for the hardship forbearance. Since starting the income driven repayment I have had to dispute credit reporting by Navient as well in XX/XX/XXXX when rather than decreasing my balance they reported an increase in my balance. This caused my credit score 70 points and when corrected my score only improved 24 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage off with Spec Loan Sv in 2019 however XXXX is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with XXXX and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.
Product: Credit reporting or other personal consumer reports

on XX/XX/2023 prestige financial gained unauthorized access to my credit report causing a dent on my credit report affecting my credit score and being denied my credit usage due too these hard inquiries. This inquiry is a violation of 15USC1681n.
Product: Debt collection

On   XXXX     debt collector called, when I returned the call the I requested written documentation. She stated it had been sent when I informed her I did not have that she told me she does not have to send it out. Spoke to supervisor who told me that since it had not been returned they automatically assume the document has been received. When I requested another copy sent because I have not received it the supervisor informed me they do not have to send another one and that o can go to a branch to pay what is owed. I informed him that I live  XXXX  hours and would like documentation that I will have the ability to show the debt has been paid and he stated they do have to send anything once it 's already been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX MEDICAL BUSINESS BUREAU entered two collections in my name, {$390.00} & {$160.00} respectively. 

Last year XX/XX/XXXX, I was involved in an auto accident, that resulted in injuries. It is currently under LITIGATION, with my law firm XXXX XXXX XXXX. All respective companies were alerted by my lawyer to avert COLLECTION practices. 

To date, I am unable to validate the debts claimed by MEDICAL BUSINESS BUREAU. I believe these to be FRAUDULENT, they are taking advantage of my vulnerability at this point
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXX XXXX XXXX XXXX Opened Account status Original creditor name XX/XX/XXXX ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.
Product: Credit card or prepaid card

Closed account for CapitalOne Visa and made payment the same day ( XX/XX/2021 ). Payment has been taken out of my checking account via EFT and also shows up under payments on CapitalOne 's credit card account detail page but they will not credit the payment to my account. They advised there is a system glitch and they can't apply the payment to my account. They are working to try to fix the problem but my account still shows as past due and I will be reported to a credit bureau as delinquent after 30 days past due. We are already at 10 days and they can't fix it and don't know when they will be able to. The problem they say is with customers who cancel their accounts the payments aren't applying to their accounts.
Product: Debt collection

On XX/XX/XXXX Paramount Recovery reported to all three credit bureaus that I have an outstanding medical bill with the original debtor XXXX XXXX XXXX in the amount of {$960.00}. On XX/XX/2020 I contacted XXXX XXXX XXXX to settle the debt for a lower amount since they had sent me a letter in the mail dated XX/XX/2020. I paid XXXX XXXX {$380.00} and the debt was satisfied and the debt was removed from my credit report. Now the same debt but different debt collector is trying to collect the money for the same medical bill. I called today and spoke with a customer service at Paramount but all I was given was an email address to send all of my information that I paid and nobody contacted me back to inform me the debt was removed from credit report. 
XXXX XXXX XXXX XXXX Paramount Recovery XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed some errors. I've highlighted them in the attached copy for your reference. Here 's what I found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm requesting the removal of an inaccurate inquiry from my report regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, I'm asking for an investigation into these items and their removal from my report. I understand that you'll need to verify these with the creditors who posted them. Please remove any information that can't be verified by the creditor. I'm aware that under 15 U.S.C. Sec. 1681i ( a ), you have 30 days to complete this reinvestigation upon receiving this letter. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im asking for a One time courtesy for one late that hit my account as stated on the letter that i got XXXX the same month i was hit with late on my account and i was never late with any of my accounts.
Product: Vehicle loan or lease

Payed in full and still showing on credit report and when I called in about the account they just wanted to argue the situation
Product: Debt collection

Someone named XXXX, with a very thick accent, called and asked me to verify my name, address, phone number, past address, and employment. I refused to do so, asking who he was. All he would say is that he was XXXX ( last name inaudible ) from Enhanced Resource Centers, but he would not give me any additional information. I looked up Enhanced Resource Centers online, and found that they are a debt collector. To the best of my knowledge, I have no outstanding debt that is in collections ; I hung up on XXXX for this reason. However, while I 'm not an expert on the FDCPA, I 'm pretty sure that a debt collector must identify themselves as such. At no point during the two minute conversation, did XXXX every identify himself as a debt collector.