23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently look at a copy of my credit report and noticed several inaccuracies on multiple accounts these accounts are hurting my ability obtain credit. It is my understanding that you will investigate these items for me to assure accuracy. Below are the items Im asking you to verify as accurate. XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from XXXX XXXX " XXXX XXXX '' telling my my XXXX frequent flyer account had been terminated. The reason was vague, multiple choice and more of a form letter that anything specific. At the same time they canceled 3 flights of a set I was about to start taking on XX/XX/XXXX. 

I had accumulated XXXX miles in this XXXX account. This from a combination of credit card offers, direct spend on these credit cards and yes, some miles from 2 specific revenue flights. The flights that were canceled has cost an additional XXXX total from my XXXX account. 

On to the Citi part. From some internet research about this issue, it appears that XXXX  is doing this to many " customers ''. The consensus is apparently that I obtained too many credit cards ( and associated bonus miles ) from Citi. Their belief is that using only Citi 's most strict rules, you can only get 3 or so credit cards in a 2 year period. Offers that Citi sends through the USPS mail have less strict restrictions and it is easy to obtain more than the limits XXXX  is applying. 

In short, Citi approved " too many '' credit cards for me and Citi 's partner, XXXX XXXX, thought that my count was too high. Without warning or recourse, they closed my account. Citi provided me with generous credit card sign up bonuses that were subsequently taken away by their partner, XXXX. XXXX believes it can do anything it wants with its program and for any reason. Citi does not provide a warning during the application process and somehow happily allows customers to sign up for too many ( in XXXX  's eyes ).

The frustrating part about this is that Citi can claim it was XXXX  committing this foul, where XXXX   makes vague claims and the bottom line is it thinks Citi gave out too many credit cards with bonuses. 

I suspect XXXX  sold these miles to Citi. Citi issues them to me after meeting various financial obligations ( a significant cost to me ), then XXXX  takes them away? What kind of scam is this? 

I will note, also, that Citi continues to offer XXXX XXXX credit cards to  customers with XXXX  mile bonuses. I still don't see a warning about XXXX  's " right '' to take them away as they please.
Product: Student loan

In XXXX of XXXX I made payments as required on my student loans serviced by Mohela. Because Mohela was having difficulty timely processing IDR recertifications, the company placed my account in forbearance without my knowledge or consent. I called the company as asked that the forbearance be removed before I made my XX/XX/XXXX payment. 

On XX/XX/XXXX, I made the full payment due under my IDR plan at the time in the amount of {$1000.00}. Because my account was in a forbearance status, Mohela is not counting the payment as an eligible payment under the PSLF program. I contacted the company on in writing via the online consumer portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to get this corrected. To date, the full and timely XX/XX/XXXX payment is still not being credited as an eligible payment. I also called in and spoke to customer service in late XXXX. I was assured on that call that the payment eligibility would be updated. I want my payment correctly counted as I should reach XXXX qualifying payments later this year.
Product: Debt collection

Collection Management XXXX recently reported a collection item on my consumer reports. I got a call from XXXX XXXX a while ago in an attempt to collect an alleged debt. I told him not to call, but he can send me a letter. He stated that he has done it already. I requested him to send another one because I didnt receive it and he refused. I recorded the call for my records to prove this violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX  and the 3 Credit Bureaus have violated several of my rights under FCRA

609 ( Inaccurate Reporting ) FCRA 616 ( Willful Noncompliance ) - FCRA 1681i ( Failure to Investigate Accurately ) - Additional violations : Chain of Title issues, proof of securitization, lack of verification, first date of delinquency, last payment amount, and written consent.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting of my credit information. This contain inaccuracies, including unverified late payments, and non-permissible purpose Statement of Fact - Permissible Purpose & FCRA Section 605 ( b ) : Under 15 U.S. Code Section 1681c-2 ( a ), the law mandates that a consumer reporting agency shall block and delete information resulting from identity theft within four business days, provided the information meets the requirements. I request the immediate removal of the following accounts during your investigation. Any attempt to rescind or stall my request to block this information, or any response stating a rescind clause under FCRA 605 ( b ), will be seen as evidence of willful non-compliance with the FCRA. 

Further Discrepancies - Late Payments : I have identified late payments that have not been fully verified as required by XXXX XXXX compliance standards. Failure to provide this specific documentation renders these late payments unverifiable. As such, they must be removed from my credit report, as they do not meet the requirements under FCRA for accurate reporting.
Product: Credit reporting or other personal consumer reports

My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request XXXX  XXXX and experian to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experians failure to remove inaccurate and/or disputed information related to a XXXX XXXX account from my credit report. This account has already been successfully removed from both XXXX and XXXX, yet Experian continues to report it. 

Nature of the Dispute The XXXX XXXX account in question is inaccurately reported on my Experian credit report. After disputing this account with XXXX and XXXX, both bureaus removed the information from my credit file. Despite this, Experian has failed to take similar action, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Violation of FCRA ( 15 U.S.C. 1681i and 1681s-2 ) Under 15 U.S.C. 1681i, consumers are entitled to dispute inaccurate information with credit reporting agencies, and those agencies are required to conduct a reasonable investigation and remove or correct the information if it is found to be inaccurate or unverifiable.

Moreover, 15 U.S.C. 1681s-2 prohibits the continued reporting of inaccurate information after it has been disputed and found to be inaccurate. Both XXXX and XXXX have acknowledged that this XXXX XXXX account was inaccurately reported and removed it from my credit file. Experians continued failure to do so demonstrates a failure to uphold its legal obligations. 

Impact on My Credit The failure to remove this inaccurate information is negatively affecting my credit score and financial well-being. The presence of this erroneous information on my Experian report is unjustified, especially since the other major credit bureaus have already removed it. 

Requested Action I respectfully request that the CFPB : Investigate Experians failure to remove the XXXX XXXX XXXX XXXX from my credit report. 
Enforce compliance with the FCRA, ensuring that Experian conducts a proper investigation and removes the inaccurate information from my credit report. 
Confirm the removal of this XXXX XXXX account from Experian and ensure the accuracy of my credit file. 
I have attached copies of my credit reports from XXXX and XXXX, which show that the XXXX XXXX account has been removed, as well as my Experian report, which continues to reflect the incorrect information. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect my rights and ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report ( Transunion ) and noticed I have a few inquiries on my credit report that I have no knowledge of. I put a fraud freeze on my account ( advised by a rep ). I printed out each company that appeared on my report and called each one. These are companies that I have no knowledge of and did not have an account with. When you call these companies either the line was disconnected, the company is requesting for the last XXXX digits of your social or you had to leave a message if you have an inquiry on the account. I only spoke with XXXX rep by the name of XXXX from XXXX XXXX credit card and she advised me to file a complaint with the credit bureau & file fraud on my credit report as well. I have XXXX companies that has an inquiry on my credit report without my knowledge. Please see attached.
Product: Vehicle loan or lease

XXXX I submitted a complaint to this company about their deceptive business practices they give you an extended warranty with a company that you can not get through too the dealership I took my car too, stated they have never heard of such warranty company you could never get through to and things on the brochure they don't honor them after three days I finally got a representative on the phone which sounded incompetent and didn't know his job I decided to go ahead and pay for the repairs, I was out town stranded long enough I submitted information to them, McMc Auto was very heartless and unprofessional didn't care that I had to cover for may stay sent in proof of expenses which was never reviewed the dealership information is incorrect on their response back to CFPB a member of management never contacted me after several requests this company operation is deceptive and predatory.They need to be investigated their account managers are unskilled and lack knowledge.no respect or common sense used for their customers, no structure Predatory Lending.Also they tell you your loan will be transferred to another lender which is a lie they are fraudulent.
Product: Credit card

I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''
Product: Mortgage

Submitted a loan application to Waterstone Morgage in XX/XX/XXXX. Lender has never provided a loan estimate even when all documentation has been submitted. Requested more information on how to obtain the estimate, a preapproval letter and more information on down payment assistance programs. Received notification that when proof of funds is provided the letter will be issued and that they will take care of the downpayment assistance. They again did not provide the loan estimate.
Product: Credit reporting or other personal consumer reports

{$6300.00} is an incorrectly reported amount owed by XXXX. It purposely shows an amount OVER our credit limit and this has been on credit report incorrectly for 6 years and 6 months. We know its about to drop off in XXXX we want to make note in our credit report of the fraud involved from unscrupulous sales department where WE TRIED TO CANCEL purchase within their specified timeframe but because it was a XXXX company doing business as an American company we NEVER used the credit card for any purchases. This has made our credit rating under rated for almost 10 years as their date wasnt reported correctly but only started AFTER we complained and reported it 6 years and 6 months ago. Extreme illegal activity that we disputed unsuccessfully many times without hiring legal help as we couldnt afford. Please remove this from my credit report. Im XXXX and want NO MORE CREDIT anyway but businesses such as XXXX with salespeople with XXXX INTEGRITY need to be restrained and punished for such illegal activities. Please help.
Product: Debt collection

XXXX XXXX XXXX {$100.00} Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature
Product: Credit reporting or other personal consumer reports

all XXXX credit bureaus refuse to delete accounts that do not belongs to me. The ssn and birth date used to open the accounts does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute straight to XXXX  ( XXXX XXXX XXXX XXXX about late payments they were reporting on XXXX. I sent multiple disputes to the bureaus XXXX, XX/XX/21. I can not get a response from XXXX  via mail. i can not access their online account. i get notice that they sent me an account message that says they will complete my dispute within 24 hours then nothing. Everytime i send over a dispute, they update the information instead of deleting and they have had more than 10 errors in the reporting. I made payments for the months it shows late. They have late payments showing all 3 bureaus at different times. They show in balance history payment being made XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but then reported i was 120 days late in XX/XX/XXXX with XXXX  and transunion and 180 days late at that point with XXXX.
Product: Checking or savings account

Received checks and a banking card PIN number in the mail for a checking and savings account for Citibank opened in my name using precious address information. Contacted Citibank who confirmed that someone had opened both accounts online. I did not make request these accounts and requested Citibank to close immediately and reported as fraud.
Product: Checking or savings account

I bank with XXXX XXXX XXXX XXXX ( XXXX ). 
I had written a check ( check # XXXX ) for {$6000.00} dated XX/XX/2023 to a counterparty who banks with Bank of America ( BoA ). 
This check was deposited by the counterparty on XX/XX/2023 at the BoA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
BoA presented this check twice ( first on XX/XX/XXXX by referencing an erroneous check number XXXX and then again on XX/XX/XXXX referencing the correct check number XXXX ). 
XXXX reversed the duplicate payment on XX/XX/2023 and claims that the counterparty should have received XXXX of the check deposits since XXXX reversed the duplicate. 
However, the counterparty 's account has not been credited for this check and BoA claims that they have no evidence of receiving duplicate funds for this check in order to credit the counterparty 's account inspite of BoA providing a copy of the returned check to the counterparty with reason for return marked as " DUPLICATE ''. 
Both banks are pointing fingers at each other for this error an taking no accountability. 
Both myself and the counterparty have made multiple in person trips to BoA 's XXXX branch to resolve the matter and have had multiple phone calls with XXXX but we get the run around with no resolution insight. 
Essentially, {$6000.00} ( related to check XXXX ) has been taken out of my checking account for which the counterparty has not been credited. 

Attachments : ( 1 ) Email from XXXX stating this is a BoA issue. 
( 2 ) XXXX and XXXX reports provided by XXXX showing duplicate payments and XXXX return. 
( XXXX ) Counterparty bank statement provided by BoA showing no credit of {$6000.00} for check XXXX against counterparty 's account- refer to line items in parenthesis. Please note that the statement also shows {$6000.00} dated XX/XX/2023 which is on hold. However, that deposit is for a different check for the same amount and is unrelated to this issue. 
Letter received by counterparty from BoA indicating return check XXXX for return reason " XXXX XXXX ''.
Product: Payday loan, title loan, or personal loan

For the past year a debt collector has been calling me from numbers that change every 2 or 3 days. The name always shows up as " V '' followed by random numbers. They never leave a message. The one time that I answered the telephone the caller identified himself as a debt collector for a payday loan place. That loan occurred around XX/XX/2016. Attempts to block these calls fail because the name and number calling me changes every 2 or 3 days! The numbers calling me include : XXXX ; XXXX ; and XXXX.
Product: Mortgage

XX/XX/XXXX fell in between the grace period, there is an unexplained late charge attached to my mortgage that needs to be removed. The company told me to have my lawyer explain it when I called. BSI does not credit your account until the money gets deposited in the bank. Not when they receive payment. It seems every time I file a complaint, I am penalized with an unexplained fee added to my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

***I previously submitted a complaint for this company with incorrect attachments. Please delete XXXX, XXXX, & XXXX and replace with this corrected information and new complaint # 's. 

I was a victim of theft in XX/XX/2021. 
My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Credit reporting or other personal consumer reports

Today, I came across incorrect accounts on my credit report, and I have no idea how they ended up there. I routinely check my report, but this time, I encountered unexpected discrepancies. Thinking it might be a simple glitch, I refreshed my browser, but the errors did not disappear. Therefore, I am asking for a detailed review of the documents I have submitted so that I can finally put this concern behind me.
Product: Mortgage

XX/XX/XXXX : Online account that I was told was fixed so I could make payments was not fixed. So even after they said they addressed it, the next month it did not allow me to make a payment and they had to fix it again. 

XXXX XXXX : Had to e-mail again because auto payments did not come out. They stated that they reformatted their website and auto payments wouldn't work until you set up a new account. ( my mail from Servion is always severely late as well ). 

XX/XX/XXXX : Another auto payment did not work. They said not sufficient funds. Gave me a fee ( which they wiped ). But I showed them my account that had well over the amounts needed. 

XXXX Tried to make an online payment since the auto payment didn't go through. It said I can no longer do that. That I have to pay through certified funds only. 

Even after all this on my account online it still shows as my payment is scheduled for XX/XX/XXXX. I am attaching that which I just viewed XXXX at XXXX after already talking to them. 

There is far more situations like this but those were over phone calls. So these were just the dates I could pull up based on the e-mails I had.
Product: Debt collection

XXXX XXXX XXXX is stating I owe a debt, that debt is not mine. I requested this removed and no action was taken. 

XXXX XXXX XXXX Original creditor : CAPITAL ONE BANK USA N.A. 
{$370.00} This is not mine! I never authorized or allowed this.
Product: Credit reporting

I am trying to remove dispute remarks from my Experian credit report. I have XXXX accounts with XXXX Student Loans which I am not disputing. I have informed both XXXX and Experian I am not disputing them but neither claims the ability to remove the remarks. I have XXXX XXXX XXXX. of XXXX student loans that have dispute remarks. I have contacted both Experian and XXXX XXXX XXXX XXXX and informed them I am not disputing the accounts. Neither one claims the ability to remove the dispute remarks from the accounts.
Product: Credit card or prepaid card

Application for Lowes Advantage credit card, was denied, and company will not give reason. 

I applied online for the card on XX/XX/2023, denied credit card. I called on the day of the application, and would not be told of the reason, but was told I would receive an email and USPS mail giving the reason within 7-10 business days. 

Was sent an email ( XX/XX/2023 ) that said I was denied credit. The email had a link that can be clicked to find reason. The email does not have any phone contact information in it ( only address of credit card company ). It says " Thank you for your recent XXXX 'S credit request. Please click the link below to view our response to your credit request via our secure site. '' The link goes to the following website : XXXX XXXX XXXX  XXXX & XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX Clicked on link, which went to a web page that asked for 4 questions to be answered. 
1 ) Reference Number 2 ) Last 4 digits of your social security number 3 ) Zip Code 4 ) Date of birth. After entering the information, I get the following error message : " The information you provided does not match our records. Please use your browser 's back button to try again. ". 

When this failed, I called the credit card company and request a reason for denial. They said that I would receive a letter in 7-10 business days and that they could not give any information over the phone. I never received a letter. 

I called again on XX/XX/2023 XXXX. I asked for reason, they would not tell me over the phone. He suggested I re-apply. I told him I did not want the card any more, I want to find out reason for denial. He refused to tell me anything on the phone. I asked if he could give me details on the application ( to see if I did a typo ). He was willing to verify the mail address, but refused to give any other information on the credit application. 

He said he has requested to resend the letter, and I should receive it in 7-10 business days. I read that the company is required to give the reason if requested within 60 days. I am filing a complaint ( instead of waiting another 7-10 business days ) because every time I call, they say wait another 7-10 business days. I've waited for over a month, so I am now submitting this complaint. 

Because they continue to refuse to give me any information, I do not know why I was denied credit, whether is was something in my credit report, or if it was something in the application itself, such as a typo or missing zeros in the submitted gross wages.