23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX, I spoke with at least three separate Citi employees at Citi 's Credit Card Customer Service, at least two of whom where supervisors, who told me that I would receive a refund for my secured credit card security deposit of {$2500.00} by XX/XX/XXXX. I initially received a letter stating it would take longer, but I first called on XX/XX/XXXX and was promised by Citi that the refund would arrive within 30 calendar days as I had asked for the process to be expedited. I confirmed this promise with three Citi employees. 

However, I called Citi 's Credit Card Customer Service on XX/XX/XXXX to check on the status of my refund check and was told that I would not be receiving my refund by XX/XX/XXXX, and that instead, the check would be mailed on XX/XX/XXXX. This statement was completely out of line with what I had been told. I attempted to find out why Citi 's promise was being reneged on and why I had received blatantly false information, but the supervisor I spoke with was unclear, evasive, and refused to answer any important yet basic questions. I tried to ask who would be accountable for the misinformation given to me, and requested an explanation for how, not one, but three Citi employees could all confirm I would receive my refund by XX/XX/XXXX, yet now this supervisor was telling me that the refund check would not even be mailed out until XX/XX/XXXX. 

This use of false information to get clients off the phone is absolutely unacceptable and this situation reeks of fraud on Citi 's part. Citi Customer Service representatives should never lie to customers about the timeframes for receiving secured credit card security deposit refund checks. I am very displeased at Citi 's brazen disregard for ethical banking and lending practices.
Product: Credit card

What happened? 

I am writing to file a complaint against American Express ( Amex ) regarding the handling of my welcome offer for the Platinum card. Below is a detailed account of the events : First-Time Card Application : This was my first time applying for an Amex card.

No Pop-Up Window : There was no pop-up window indicating any issues during the application process, never indicate that I am not eligible for the welcome offer Application Process : On XX/XX/2024, after completing the application, the webpage did not provide an immediate result. I had to call customer service to verify my address to complete the process. During this call, I explicitly confirmed with the representative multiple times that I was eligible for the XXXX Amex points welcome offer after spent {$8000.00} in 6 months. I have call recordings as proof. [ Could you plz ask Amex to provide the call recording as well? ] Lack of Notification : At no point did Amex notify me that I was not eligible for the welcome offer or that it had been denied.

Company 's Response : XXXX months later, Amex informed me that while my card application was approved, the welcome offer was not. This was never communicated to me until now. Had I known that I would not receive the welcome offer, I would not have applied for this card with its high annual fee [ {$690.00} which is far beyond of my budget ]. This feels like a case of deceptive practices aimed at collecting the annual fee under false pretenses.

Customer Service Interaction : When I contacted customer service, they were dismissive and claimed that I misunderstood the situation.

I am extremely dissatisfied with Amex 's handling of this matter and feel it constitutes consumer fraud. I have been in the U.S. for many years, and this is the first time I have experienced such deceptive practices from a company. I seek a resolution where the promised welcome offer is honored.
Product: Credit reporting or other personal consumer reports

I am looking to purchase a home. I recently pulled my credit report and noticed incorrect accounts and some that I did not know of. I sent the company a certified letter to dispute the inaccurate information I saw on my credit report. I asked the company to verify and validate the accounts as required under the FCRA. I did not receive any information that verified and validated the accounts. According to the 15 U.S.C. 1681 law, there should not be any damages on my report. It is a defamation of my character.
Product: Credit reporting or other personal consumer reports

I have fallen victim to identity theft and have duly reported the incident to the appropriate authorities. It is troubling to note that while other credit bureaus have promptly acknowledged and removed the fraudulent accounts, Experian seems to be disregarding my legitimate requests. I am writing to urgently address the ongoing issue of fraudulent accounts persisting on my credit report, which is significantly undermining my creditworthiness. The fact that these fraudulent entries persist despite my repeated efforts to rectify the situation is both alarming and unacceptable. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

On XXXX XXXX I received a credit card inquiry for Wells Fargo/Dillard 's. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have a hard inquiry from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, XXXX XX/XX/XXXX I have 2 hard inquiries One from Capital one and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from Capital one bank. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.
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. 
XXXXXXXX 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 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 conviction 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: Vehicle loan or lease

In accordance with the Fair Credit Reporting act CREDIT ACPT # XXXX {$7200.00}, has 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
Product: Credit reporting or other personal consumer reports

i recently received a copy of my credit report and have never done business with this company or never received any USPS inquiries from this company
Product: Credit reporting or other personal consumer reports

I wrote each credit reporting agency about unauthorized inquiries on my credit reports and was ignored, all 3 credit reporting agencies are in direct violation of the law! Here are a list of the inquiries that should be deleted XXXXXXXX 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, EXPERIAN : XXXX XXXX XXXX XXXX XXXX 

RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX, XXXX and Experian consumer reports without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received XXXX XXXX scores Equifax-XXXX, XXXX, XXXX. For XXXX, these scores have dropped to Equifax-XXXX, XXXX and XXXX. My mortgage scores went from Equifax XXXX, XXXX- XXXX and XXXX- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a 100 points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. XXXX will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a 700 only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This is in reference to Account XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute the accuracy of account XXXX XXXXXXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information. 
If Experian is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2019, several transactions occurred on my checking account that I did not authorize. I filed a claim with Capital One and they denied it. I did not make any of these transactions and I need my money back. 

XXXX {$87.00} XXXX  XXXX {$160.00} XXXX  XXXX XXXX {$58.00} XXXX XXXX {$150.00} ATM WithdrawalCAPITAL ONE {$200.00} ATM WithdrawalCAPITAL ONE {$800.00} TOTAL - {$1400.00}
Product: Payday loan, title loan, or personal loan

I am the victim of identity theft. I noticed this account on my report in or about XX/XX/XXXX, I notified the company that this was not my account. It was expained that this was opened in XXXX. I explained that it is not my account and I was a victim of identity theft. I called daily over a span of 30 days, with no avail. I fianlly spoke to a supervisor Ms. XXXX on XX/XX/XXXX. I expalined that I had previously sent over all supporting docs and to remove this off my credit report immeditately. She explained that it could take up to 90days. I explined this was not accepatable and this was not my information.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$4400.00} XXXX  XXXX Balance : {$4600.00} XXXX  XXXX Balance : {$580.00} XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an autoloan with XXXX XXXX bank was obtained fraudulently on my name for the amount of {$24000.00} for a used car XXXX XXXX XXXX XXXX XXXX. VIN :  XXXX. I came to realize about this loan because of an invoice of XXXX Toll service with a picture of this vehicle I never had - this invoice was I received at my address. The auto-loanthough, was obtained with a different address, a place I never lived in before. 
On XX/XX/XXXX, I went to XXXX and was able to obtain a Certified Title History of this vehicle. I realized then, this car was purchased on my name. I then called XXXX  credit Bureau to obtain a copy of my credit report. I confirmed this unpaid loan hurt my good credit history and created a fraud alert and requested a service for credit monitoring.I also filed a police report same day. I also disputed this loan and they confirmed it was deleted from my report. I also contacted XXXX XXXXXXXXBank and disputed this loan as well, I was in contact with an Investigator-XXXX XXXX Bank XXXX XXXX, XXXX XXXX, phone XXXX. He sent me a Forgery Affidavit on XX/XX/XXXX. I sent all documents requested including my Driver 's license and police report. I thought the problem was solved but then was told I had to file a dispute with all three credit bureaus and called Experian and XXXX  ; both came back with negative results about my dispute on the auto loan. The loan remains in my credit as of now XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX A NATURAL PERSON. " In light of recent investigations brought upon Equifax, I find that my consumer file is being irresponsibly tampered with. Over the past 5 months I have made several attempts to remind you of your duty pursuant 15 USC 1681. It appears that Equifax is intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am making this complaint as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. They can see in there system that this account was previously disputed without being verified. Equifax has violated HIPPA LAW also. 
The account being disputed is XXXX XXXX XXXX
Product: Debt collection

I received a bill from debt collectors Portfolio Recovery Associates , LLC , Inc. in the mail advising that I have options for an alleged account. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Portfolio Recovery or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Portfolio Recovery Associates , LLC. I have yet to witness a " wet ink '' signature between myself and Portfolio Recovery Associates , LLC. nor have I ever received a True Bill in commerce in regards to this account. Portfolio Recovery has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.
Product: Bank account or service

To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and BoA without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with " Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. " Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to BoA. 

I have been a loyal customer since the day I opened my first bank account with BoA and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year BoA has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with BoA if your customer service representative had simply just refunded the {$35.00} charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Numerous notices to XXXX, Experian, & XXXX to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On [ XX/XX/2023 ] I mailed you a letter disputing information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following XXXX XXXX - XXXX XXXX. Per XXXX records, you received my dispute letter on [ XX/XX/2023 ]. 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/2023. Therefore, your response was due on or by XX/XX/2023. Instead of sending me a response letter with the result of your investigation of the disputed information, you mailed me a letter dated claiming ACCOUNT HAS BEEN UPDATED. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because ACCOUNT WAS UPDATED. However, your excuse or assumption is a not valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) delete the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1.00} check to my mailing address listed above.