23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i was checking into the application on experian to see how my credit and my credit score doing to see if they went up or down.when i look into that it say that my credit score was unavailable when i call the experian customer support.the only thing she was told me was that they had on error on my credit report i know that the main reason not able to view my credit score .iam asking her if she be able to fix that error her respond was that she not able to fix it and she going to transfer me to a customer service again so iam not able to see my credit score because of that internal error .other thing she told me was that for me in order to see any activity on ny credit report was that the creditor report to them about my account but by law they not obligate to report to them so my ability to obtain or receive credit went to dead end
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is unable to be viewed. Any time I try to check on it I get a message that says your information doesn't match credit bureau records. Every thing I input is accurate
Product: Credit card or prepaid card

My complaint is related to completely false information being presented to customers by CitiBank. Most specifically, the predatory and completely false information be presented to customers related to payment options on their credit cards. 

Citi bank offered a loan option called a flex loan and like other credit card companies had various promotional offers for balance transfers or purchases. I personally utilized a flex loan at 6.99 % APR for 60 months and later utilized a promotional offer for a balance transfer at 0 % interest for 10 months. My intent was to maintain my flex plan for the 60 months and payoff the balance transfer before interest would accrue. 
Citi Bank offered an option on their online payment center titled Adjusted New balance + Flex Plan Monthly Payment the description for this option was This includes your monthly Flex Plan Payment amount and the non-Flex Plan portion of your last statement balance, it does not include XXXX XXXX payments due in future months. Accompanied with this payment option is a dollar amount that represents all balances not part of the Flex Loan and XXXX monthly payment for the Flex Loan. 

On XXXX XX/XX/2023, I selected this option and made a payment of {$7900.00}, believing that his would payoff all balances on my credit card not related to the Flex Loan and one monthly payment of the Flex Loan. 

Citi Bank has instead utilized this payment to pay the majority of my Flex Loan and has left the promotional balance transfer because of their payment hierarchy. I fully understand the payment hierarchy, but this payment option was very clear about where my payment would be utilized with my balance segments. 

This action is extremely predatory, seems illegal, and is utilized to take advantage of customers so that they will have to pay higher interest on balances at a later time. I would not have paid that balance if the Adjusted New balance + Flex Plan Monthly Payment option did not exist. I fully understand that I would have had to wait for the non-flex plan balance to be the higher interest rate if this option was not available and very clear on how my segmented balances would be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reporting to XXXX XXXX XXXX XXXX XXXX XXXX has reported fraudulent information to my credit report since XXXX. Formerly known as Express Credit Auto committed illegal activity with illegal repossession and continued to collect payments. Account has not been removed from credit reports with incorrect report information according to FCRA section 609, 611 and 623.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. 
( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if
Product: Credit card

I HAVE A CITIBANK CREDIT CARD.TODAY, I WAS TRYING TO CONTACT CUSTOMER SERVICE. FIRST CALL WENT TO XXXX, THEN IN U.S.A., BOTH WERE NOT CO-OPERATIVE AT ALL. THE CUSTOMER SERVICE IS HORRIBLE, AL THOUGH I SPENT MORE THAN 30 MINS ON THIS CALL. I WAS REQUESTING FOR MY ACCOUNT STATEMENT FOR XX/XX/XXXX BUT THEY DENIED TO DO SO.CITIBANK HAS NO RESPECT FOR CUSTOMER
Product: Credit reporting or other personal consumer reports

They send me a mail in which my mom gave me I read the information about a credit report I never got this before, but I did understand what it has says I talked about this with my parents and dont really get it when I told them, Ive seen many information and cause about many hackers coming into your phone a lot in which I wont know so much about it because im not usually on XXXX only to search about some words I dont know or about XXXX in which is my XXXX  and my information from XXXX, I had being hacked once on XXXX and my emails and other etc. and got my information on my social media from someone anonymous last year and other people send me messages from my phone number and emails as well. The only things I put on my emails is on social media and for XXXX and in my games, this is very serious because and not understandable into things like that and super slow to things I dont even understand, I understand this could cause something on my phone but I sometimes I dont know after clicking things I wasnt supposed to and I was afraid until knowing on my social media about the warnings that people go through in your phone I hope you can understand this letter because I am really bad at grammar.
Product: Student loan

XXXX  continues to do re investigations, but has not updated my credit report with proper information. They keep updating my loans as 8 late payments when in fact. All of my school loans listed should be up to date.  XXXX  and XXXX  have it listed as up to date already. If the same company is reporting the information. Then, all credit bureaus should reflect the same information. Im asking for a
Product: Checking or savings account

My minor son was scammed and it involves me as well, we were scammed with bad checks and in this way it was that my minor son who entered a social network to get income on the internet from configuring video games and they agreed to pay him XXXX dollars a week and when they deposited the virtual checks they passed XXXX to the teenage account of which XXXX passed and the XXXX did not pass and the XXXX my minor transferred them to my account by XXXX, days later they sent him other checks since the bank apparently passed the checks and the scammers sent us the contact of some people to send them the money by XXXX, XXXX and XXXX XXXX to a supposed XXXX, a few days later bank of america and XXXX closed my account for fraud since those checks had no funds, the required amount was paid to the bank and even so they sent an alert to all banks to take away my access to open a checking account in any banking entity and even They even closed my Bank of America credit account.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, my consumer rights have been violated. 15 U.S.C 1681 section 604 A. States I have the right to privacy. 15 U.S.C. Section 1681 604 Section 2 : also states a consumer reporting agency can not furnish an amount without my written instructions.
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is inaccurate.
Product: Debt collection

Hello, I filed a complaint in XXXX of 2019 with my Attorney General ( XXXX XXXX ) about this inaccurate account XXXX XXXX  {$4100.00} on my XXXX, TransUnion, and XXXX My XXXX number is : XXXX and his address is XXXX. XXXX XXXX XXXX, California XXXX After their investigation these accounts were removed, but has resurfaced on my credit file as of XXXX, kindly have the credit bureau delete the inaccurate account from my credit report, because it's causing financial hardship as I am not able to acquire new credit.
Product: Credit card or prepaid card

Charges on my credit card from another distant state including XXXX XXXX, XXXX XXXX XXXX, and foreign charges. 
TD Bank flagged these charges as suspicious and we immediately responded to the text with " FRAUD '' and called TD Bank immediately. TD Bank is forcing us to pay these fraudulent charges. TD BANK appears to be incompetent at processing Fraud. We suspect TD Bank had a data breach that compromised our credit card number. 

Charges {$360.00} - XXXX {$10.00} - Foreign Transaction Fees {$0.00} - XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX : XXXX The payment status is incorrect, please delete. 
XXXX XXXX : XXXX The account status is inaccurate, please delete. 

DEPT OF EDUCATION/XXXX : XXXX The terms reported are incorrect, please delete.
Product: Vehicle loan or lease

I was in the process of purchasing a new car and I realize that I have damages on my credit report. In accordance with the fear credit reporting act this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USCS 1666b a creditor may not treat a payment on a account under a open in consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of a late payment remark currently showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, a company XXXX made a hard pull on my credit. Their information was provided as such : XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, XXXX XXXX Apparently someone was trying to rent housing in XXXX  Using my information. I have never contacted this company in regards to obtaining financing. When I attempted to contact them, I was not able to speak with a rep. 

XXXX other previous dates, there were hard inquires for Renting. Iv owned my own home since XX/XX/XXXX. 

XXXX was a resident XXXX XX/XX/XXXX, the other was XX/XX/XXXX by the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Confirmation of the inability of this agency to report timely or accurately! Score was XXXX a day or so ago now dropped even while all of outstanding debts PAID! Credit bureauXXXX XXXX bureauXXXX XXXXXXXX bureau-XXXX  TransUnion As of Today XXXX FAIR XXXX POINTS XXXX XXXX TOTAL DEBT {$18000.00} CREDIT USAGE 89 %. How pathetic they do not pull correct balances ndpost. In my opinion indicative of a desire to keep scores low for millions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a incorrect information on my chexsyatems report in XX/XX/XXXX and ask for evidence in there investigation and they have failed to yet provide me with any evidence and it has been well over 30 days now.

The dispute in question is from XXXX XXXX XXXX XXXX, I had an account with them back in early XXXX to late XXXX and I close the account because they keep on causing problems with the account, ( example. ) I had an employer direct deposit in the account and they would let him after deposit my pay he would go back in my account and withdraw everything out my account then put back what he want to, so I reported the matter to the police and had the account close, now on My chexsyatems report XXXX XXXX XXXX XXXX is reporting that my account with them was NSF.

I have ask chexsyatems to verify and validate the account and provide me with evidence and they refuse to.

I have all my communication with chexsyatems if need and I have not contacted XXXX XXXX the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard credit inquiries on my credit report that I didn't not initiate or give permission for. I've already disputed these two inquiries with CFPB, but for some reason they couldn't be found when I called Transunion. The two inquiries are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I recently had some unauthorized activity occur on my Regions bank account so I filed a claim. And for some odd reason I was credited {$5500.00} but 3 weeks later XXXX was deducted from that credit causing my account to go into the negatives when I had a {$600.00} balance. All of the transactions were international and of the same sort so I find it odd that two of them one for {$1000.00} and the other for {$500.00} were reversed and I called regions asking for proof of the merchant showing it was authorized and they sent me nothing. They havent even been sending me mail about the claim or updates just woke up with my account negative. I would like to have my claim looked at again my thoroughly my Claim ID is XXXX. Because this makes no sense. And now Im at jeopardy of my account being negative and possibly screwed because of their negligence to their claim department.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed a complaint about Bank of America holding a deposit for XXXX ( XXXX ) days ; therefore delaying payment on my credit card, thus causing late fees. I called they refused to credit or waive any late fees. Now, in response to my complaint they keep sending your agency a status report that they need more time, which incurs even more of a late fee, and derogatory credit reporting on my behalf. Their practices are corrupt and manipulative causing their consumers to suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have not been able to file a dispute online with experian they have blocked me from doing so. 

Pursuant to 15 USC 1681 ( A ) ( 3 ) they were not appointed this role by any government or federal authority, nor i have given Experian written consent. Experian has unlawful assumption of this role has cause me hardship against me and my family.

Furthermore Pursuant to 15 USC 1681 ( A ) ( 4 ) Experian were not fair or compliant they didn't exercise their grave responsibility with Fairness. Then they Sell and Advertise my file to anyone so they can turn a profit without any consent from me. They is unethical, and infringement against my privacy. 

By Experain blocking me from filing a dispute i have not been able to request a Description of Procedures a straight violation of my rights. Pursuant 15 USC 1681I ( A ) ( 6 ) Specifically ( 6 ) ( B ) ( III )!
Product: Credit reporting or other personal consumer reports

I am a victim pf identity theft. XXXX XXXX XXXX has fraudulent inquiry on my credit profile that need to be removed immediately.
Product: Debt collection

I been affected by XXXX I loose my job and couldn't keep paying for an apartment XXXX XXXX send my info to the credit bureaus and don't want to assist me to lower my payments on that debt.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.
Product: Mortgage

As I stated in XXXX previous complaints, Nationstar Mortgage has been running a scam to get my house. I received a letter today requesting that I turn over my house to them or sell it. I resubmitted a request for a loan modification ( which they told you I could do after a date that I could even meet the deadline. ) I was not notified of cancellation of my modification, they extended my modification by one month and denied doing so. When I called them, they told me to resubmit my modification request. I did, they then told you I could be reapproved by XXXX XXXX, 2016 ( 3 weeks before I even knew the modification was cancelled. ) I am enclosing the letter I received today. These people have been lying to me on the phone, scamming me, lying to you, ( which these documents and my previous documents prove. ) If I had not borrowed money to bring this account into good standing they would have taken my house and evicted me. I had to pay over {$3000.00} to get my house back from these monsters. I had to sell my wedding rings to get enough money to do this. I am chronically ill, on XXXX and I 'm sure they were counting on me not being able to put together enough money to do this. I have friends with money.
Product: Credit reporting

I disputed a XXXX/XXXX/16 entry of a credit inquiry on my Equifax credit report by an online retailer named XXXX but Equifax refused to remove the inquiry. The credit pull was fraudulent and made as a result of an attempt by a person ( unknown to me ) placing an order and requesting credit in connection with doing so. The fraud was identified before shipment was made but false credit inquiries impact credit scoring negatively. I never placed an order or requested credit so no proper request to review my credit was made and no inquiry should be shown on my report. XXXX directed me to file a dispute with Equifax but when I spoke with them ( after XXXX attempts resulted being transferred and cut off ) XXXX in the Equifax fraud department informed me that Equifax does not really allow disputes for credit inquiries. Apparently Equifax allows consumers to submit a dispute online ( as I did ) but they are not handled seriously. Instead, the information remains as a " factual record '' that the credit pull occurred. This was my result. Equifax policy is that they will not make a change the entry without action by XXXX ( their client ). I am filing this complaint because Equifax 's position is wrong. I have the right to request a substantively meaningful investigation, not simply a sham review. Finally, I also contested an oil and gas credit inquiry when I disputed the XXXX credit pull because I did not recognize it - I never applied for an oil and gas card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

I was in the XXXX and someone stole my Credit card and charged my card at Best Buy Citibank credit card
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks