23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Last fall I opened a Citibank Citigold checking account with a promotional code XXXX which promised me a XXXX XXXX XXXX AAdvantage mile bonus if I fulfilled certain conditions : two online bill pays in two consecutive months and debit card transactions of {$1000.00} or more in the first 90 days of account opening. I fulfilled the terms of the promotion and I received multiple communications stating I would receive this bonus, but then when the time came for me to receive the bonus, I was suddenly " ineligible '' for the bonus and " denied. '' On XX/XX/XXXX I received my first communication confirming I have fulfilled the terms of the promotion and I would be receiving the promotion bonus for XXXX XXXX miles. Quoting from a Secure Message I received from Citi on XX/XX/XXXX : " I can confirm that you have completed the requirements for this promotion on XXXX/XXXX/XXXX to be eligible to receive the XXXX XXXX miles incentive. Per the promotion policy, the AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 days from the end of the statement period in which you complete all offer requirements. With this in mind, you should expect to receive your miles no later than XXXX/XXXX/XXXX '' On XX/XX/XXXX I received a second confirmation that I would be receiving the promotion bonus, also via Secure Message from Citi : " After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your AAdvantage member account by XXXX/XXXX/XXXX. '' Then on XX/XX/XXXX I received an abrupt denial of this previously promised bonus : " Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I complained to Citi about this and requested that they at least refund me the banking fees which I had paid thus far to Citibank for the Citigold checking account. This was denied as well, claiming that I was not eligible because the promotional offer had not been " targeted '' to me. The original terms and conditions of the offer contained no such language that receiving the XXXX XXXX mile bonus was contingent on being " targeted. '' Given the promise of my receipt of XXXX bonus XXXX miles on several occasions and then an abrupt denial when the time came, I feel that Citibank has been very deceitful in its handling of this case.
Product: Mortgage

Lender altered my loan without our consent from the principal amount of {$250000.00} ( mortgage and note dated XX/XX/XXXX ) to the principal amount of {$260000.00} ( mortgage and note dated XX/XX/XXXX ). When I discovered the two mortgages and notes. I requested to see the mortgages and notes, but the lenders attorney told us in a letter that no legal authority exits that allows you to demand an inspection of the collateral you gave in exchange for your loan. After the XX/XX/XXXX refinance from the lender, I have never taken any loan from any lender. As at today, I have not seen the note dated XX/XX/XXXX. I believe the Mortgage and Note dated XX/XX/XXXX was copied/altered from the Mortgage and Note signed by us ( me and my wife ) dated XX/XX/XXXX, which lender has refused to make available to us.
Product: Mortgage

I'm a XXXX XXXXXXXX XXXX XXXX. I was in a 3 way call with my client and Rushmore Loan services. We called to know what the bank offered to her via email that my client can't open the security email and she don't know what is the offer and the expiration date.

I got representative from Rushmore XXXX who refused to provide his ID number saying that he don't have to do it. I requested to talk to a supervisor. He said that he will transfer to a supervisor that is available " if is available ''. He got waiting for more than 20 minutes and we decided to call again. This tie we have XXXX ID XXXX that give us his ID number without a problem. We asked when the offer emailed to my client will expire and if he knows what is the bank offering her. He never answer our questions. He said that the underrating department is reviewing her application. I remain him that her application was summited on XX/XX/2022 and my client never was notified her application status. We call several times about this issue but we never had an answer on that. 

I asked the XXXX what the bank was offering my client, he just stared saying that her loan has a deferral from the areas that was at the end of the loan. My client asked when that happened and XXXX said that was recently and a letter was sent on XX/XX/XXXX. I asked if the offer is about that but XXXX never answer my question and he was talking some thinks that are irrelevant for my question. I asked if he has on his records the expiration date on the offered but he didn't answer my question, he was still talking about other situations. 

XXXX would not provide a straightforward answer to the repeated question about the nature of the offer that supposedly mailed out, would not answer the repeated pointed question about whether there was deadline to accept, and repeatedly switched the conversation between a concurrent review that was supposedly happening in underwriting to see whether the terms could be made more favorable. 

The reps XXXX were combative and insulting, and eventually the client requested to end the call. 

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

Multiple complaints and disputes on my credit report made regarding accounts that are not mine, information requesting proof and disputes taking longer than 30 days and Transunion is not paying attention. They think they sent something to me. They never did and it is useless, you can't prove an account that is not yours but the burden is on Transunion to allegedly get this information verified for well over a year not and they dont do a XXXX thing. Transuions practices are illegal and they need to remove these accounts as they are failing to meet the burden these accounts I dispute belong to me.If they sent me something, they probably sent it to an address, I dont even live at which means, its not my account. Theres the proof. I dont see tracking numbers for that matter REMOVE THESE XXXX ACCOUNTS!
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Hello, I Never Join XXXX XXXX University For XXXXXXXX XXXX Course, I Did Fill Up Application But Never Start Course, XXXX XXXX Took Money From Lender Under My Name Now Lender Sending Me a Bill For Over {$2000.00} Plus Late Charges TheXXXX  Lender Damage My Credit With 3 Credit Bureaus. I Try to Talk to Lender About What They Denied to Resolve This Matter They Demand Full Balance Which I Never Took A Course. 

Lender Name : Launch Servicing LLC XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS ORIGINALLY WITH XXXX XXXX  IN XXXX, THEN TRANSFER TO XXXX XXXX, THAN XXXX XXXX IN XX/XX/XXXX, THEN TO XXXX XXXX, THEN TO RUSHMORE LOAN SERVICING, THEN BACK TO RUSHMORE LAST XXXX. 

XXXX XXXX HAS FLAGGED THE ACCOUNT AS 30 DAYS PAST DUE THE ACCOUNT IS CURRENTLY ON AUTOPAY FOR {$1000.00} THERE WAS NEVER ANY DOCUMENTS SENT TO ME VIA EMAIL, OR CERTIFIELD MAIL STATING THAT THE MORTGAGE WAS TRANSFERRED TO ANOTHER CREDITOR. ALSO I NEVER RECEIVED ANYTHING FROM MY BANK THAT A PAYMENT WAS RETURNED. 

THE PAYMENT IS DUE ON THE 15TH OF EACH MONTH. PAYMENTS WERE DEDUCTED TWICE LAST MONTH ON THE 15TH OF XXXX, AND THE 26TH OF XXXX, THEREFORE HOW AM I LATE? 

SPOKE TO A CUSTOMER SERVICE REP ON WEDNESDAY XX/XX/XXXX AND THEY SAID THAT THEY DID NOT SEE A 30 DAY LATE PAYMENT ON THERE END BECAUSE OF THE PAYMENT BEING DEDUCTED TWICE IN ONE MONTH.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
Product: Mortgage

I currently have a mortgage with USBank. I recently had an escrow shortage and i made a partial lump sum payment to catch up. I made a XXXX XXXX payment of {$1900.00} which also included a catch up payment. For XXXX XXXX USBank was still showing that I needed to make a payment of {$1900.00}. I called them on or around XXXX XXXX in order to discuss this payment being a little high. They agreed to do an escrow analysis and found my XXXX XXXX payment should actually be {$1600.00} which I agree ( An increase from {$1100.00} which I was paying ). They said they would send a new bill and correct the information online. On XXXX XXXX ( the day before my due date ) their website still displayed a {$1900.00} required payment. I called them again and they agreed the issue should have been handled already and that they would escalate to a senior customer service rep and that it would be fixed that day. Today is my due date and the website still has not updated ... .it would not allow me to make the correct {$1600.00} payment online ... .it still wants an incorrect {$1900.00} payment ... and to make matters worse there is now a {$5.00} " Online Payment Fee '' attached. I believe I 'm being incorrectly overcharged on my escrow and USBank has now had XXXX service call opportunities to correct this issue which they have not done. I feel I have made XXXX efforts in good faith to make this payment but I do not feel that I should " donate '' an extra {$300.00} to them. On top of that I do not feel I should be charged a {$5.00} fee simply because the website will not allow me to make a correct payment. What other options do I have to compel USBank to make the changes to my monthly payment they have agreed to make????
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to Experian for several companies and also included requests to dispute invalid addresses as well as inquiries that were not permissable by me. Experian did not update or clear up any inaccuracies. I sent proof that I reached out to the creditors for debt verification via certified letter and received no response within the 30 day time frame and Experian still refused to correct my credit report. The law states that any unverified debt can not be legally reported to the credit bureaus, therefore these creditors that have not responded to my requests for validation in a timely manner, or at all, should be removed from my report.
Product: Debt collection

I am writing this letter because I found the following accounts to be reporting inaccurate misinformation and I would like you to investigate and delete them in accordance with the federal law : Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent Unauthorized Accounts : XXXX. XXXX XXXX XXXX Acct : XXXX Amount : {$710.00} XXXX. XXXX XXXX XXXX Acct : XXXX Amount : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with TD Auto Finance which is the biggest mistake I made in XXXX! 

Here is my miserable experience with TD Auto Finance I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from TD auto Finance. 
I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a PO box in Maine. 

I mailed the check on XX/XX/XXXX and the payoff check was deposited by TD Auto Finance on XX/XX/XXXX. My credit score was impacted on XX/XX/XXXX because of the delinquent reported by TD Auto Finance. 

Early XXXX, I received a letter from TD Auto Finance saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. 

I thought the check was deposited by TD Auto Finance and I ignored this letter. 

A week ago I was applying for a mortgage and found out my credit score dropped to XXXX from XXXX and I was told by the banker that TD Auto Finance reported delinquent. 

There was no emails, mails or phones to inform me about my credit score and about my payoff date ...
Product: Credit reporting or other personal consumer reports

XXXX - XXXX Collection {$290.00} I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. The account is inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of this erroneous account, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX : {$430.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following 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 605 A Section 2. States a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( A ) ( 5 ). States no consumer reporting agency may make any consumer report containing any of the following. Any other adverse items 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 ). States 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 mortgage company incorrectly reported my account as delinquent. This has since been resolved, I contacted Lowes credit card to dispute my account closure and send a copy of the letter I received from my mortgage company indicates the error has been reported to the credit bureaus. The Lowes representative incorrectly advise me that credit limits abs approvals are set by the credit bureau. As this information is inaccurate I requested to speak to a supervisor. The supervisor confirmed as I knew the credit card company decided credit worthiness and limits. She indicated she would dispute this for me and if additional information was needed I would be contacted. Instead I got a letter indicating this was based on XXXX reporting and increase use of credit card. I recently remodeled my sons room and purchase new floors. This is separate and apart from the mortgage company error and should not be viewed and coinciding situations. 

I have had an 100 % payment on my credit cards for several years! Based on one negative marking which is an error this account was closed which I believe is unfair practices and further damages my credit rating and worthiness based on an error.
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 Account name : XXXX Account Number : XXXX Account name : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are continuing to report inaccurate items on my credit repair company after I warned them once I sent my second warning off letting them know to stop illegally reporting the items im attaching my letters I sent to them containing all the information neccessary
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$600.00} XXXX XXXX XXXX {$2000.00} XXXX XXXXXXXX XXXX XXXX {$8300.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : Experian XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which 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. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

Called in to pay a debt that I did acknowledge that belonged to me. I was told if I paid the debt it would be reported to the original creditor and a receipt or letter would be provided to me within 10 days after payment. 

I called back in on XXXX  informing the representee I still yet to have received any receipt of the payment I made on XXXX  The representee continue to try over talking me while on the phone. The representee did acknowledge I paid said the account was closed. My question to her was, can I get my receipt that the debt was paid and settled? She said they would mail it out. I asked for a email option or fax and that was denied. My second question was this paid debt reported to the original creditor? The representee said she did not know. I asked to speak with a supervisor that could answer the question? I was on hold for over 24 minutes and 44 seconds and they hung up on me! 

On XX/XX/ the first representee took my payment and said it could be sent by email or XXXX after ten days. I was misinformed by both calls to take my payment and now I can not get any proof of the debt being settled or resolved feel I was lied to to just take my money.