23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for a Citi Gold Checking Account last week of XXXX 2015. At that time, I spoke with a bank teller ( not done online ) that I qualify for the CitiGold Checking promotional offer of XXXX AAdvantage Miles that I received in mail. If I cleared {$1000.00} spend with the debit card and XXXX consecutive months of bill pay from the checking account then I would receive the points. I asked her multiple times to ensure I qualify because my participation was contingent upon me earning those points. She confirmed. IF that is not promissory salesman ship I do n't know what it is ... But it gets worse. First few weeks of XXXX I jumped through the millions of hoops ( felt like ) to get the checking account up and running, a terrible experience in it of itself. Once my account was functional I proceeded in achieving the {$1000.00} spend and 1 month of bill pay. In XXXX I called and asked a representative where I was in satisfying the requirements to be awarded the XXXX AAdvantage XXXX. The rep I spoke to confirmed that I still am eligible for the promotional offer and have completed XXXX of XXXX requirements ( still needing the additional month of bill pay ). XXXX then came and made the bill pay, and what I thought, completed the process. I called once again, and AGAIN received confirmation that I completed all requirements and should now receive my points within 60 days. It is now XXXX XXXX and now resolution ... ... I submitted a inquiry to CITI on XXXX XXXX checking the status once more and received a generic response " they were looking into why they have n't posted yet ''. Last week, ( week of XXXX XXXX ) I secure messaged Citi to confirm my points were on the way. The woman I spoke to said I should hear back from the team NO LATER than XXXX XXXX. It is now XXXX XXXX. I do not have secure message screenshots of the conversations confirming the deposit of the points post-completion however the evidence should be kept on their recorded lines from those months. This was BY FAR THE WORST CUSTOMER EXPERIENCE I HAVE EVER HAD. I feel like I am getting the run around by every single person I talk to just kicking the can down the road so they can get as much monthly service fees ( {$30.00} ) as they can in the process. Completely unjust and criminal in my mind.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX has information on my credit report inaccurate and is negatively impacting my credit report. 

The information is reporting late payments which is incorrect as well as unknown payments as I look at the payment history on the credit report provided by equifax. 

All payments should be current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and XXXX  upon me. In accordance with the Fair Credit Reporting Act XXXX, XXXX and TRANSUNION has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 

The following accounts are errors : XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX XXXX. XXXX XXXX Open Date : XX/XX/XXXX XXXX. Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : EXPERIAN, XXXX  XXXX XXXX   Alleged Account at issue : XXXX XXXX XXXX XXXX XXXX ), XXXX   XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will  CONTINUE to expect you to be able to PROVE just THAT in the LEAST.
Product: Checking or savings account

I sent a check to the Illinois Secretary of State for a driver 's license renewal. The department said they never received the check. The check was deposited into a random unauthorized bank account on XX/XX/XXXX for {$30.00}. I tried calling my bank, Chase, and they would not refund me my money without the Illinois Secretary of State filling out an affidavit stating they never received the check. 

I called the Illinois Secretary of State and they don't know who is able to do this affidavit for me. I have no way of recovering my {$30.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several ties to initiate a credit freeze with Equifax, using their website. Each time I received a " not allowed '' error, # XXXX. 
The help section of the website has only boilerplate questions but no telephone or email contact data.
Product: Checking or savings account

On XX/XX/2021, my former phone company ( XXXX  ) overcharged me for service. The company wasn't answering emails or phone calls and it was the second time I had issues with them, so I contacted USAA bank to dispute the charge.

I told the representative that I was overcharged, and they repeated the issue to confirm.

I wasn't aware that the representative filed the wrong dispute reason ( duplicate charge ) requiring specific evidence ( proof of payment via other means ). I received a document via USAA 's web notification system with the evidence request, called for clarification, and the representative assured me that my issue was being corrected.

I uploaded all of the documents related to the purchase, and previously received a provisional credit and had no reason to believe that there was a problem. 

On XX/XX/2021, the credit was reversed. This triggered multiple NSF fees and a total debt of almost {$300.00} due to bank error. 

I have been contacting USAA every day since XX/XX/XXXX to resolve the issue. I have to start from scratch constantly, including the representative matter-of-factly asking for evidence of the original incorrect dispute reason. 

After explaining the issue, multiple representatives have told me they corrected the dispute reason. The first correction was on the day of the dispute, XX/XX/XXXX. Another correction was on the XXXX. 

I have lost count of how many times a representative has claimed to fix the issue and started a 7-10 business day timer for a resolution. It is the same answer every time.

Since then I have spoken with multiple members of the Executive Resolution Team,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax admitted that personal information was compromised, including social security numbers. Mine was part of this list that was hacked.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX, & Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX, & Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX, & Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I looked at my credit report, and I noticed some inaccuracies. 
I sent a letter to XXXX asking them to investigate these accounts 1 ) XXXX XXXX XXXX  XXXX Account number XXXX ... 
Address identification numberXXXX 2 ) XXXX XXXX XXXX Address identification- XXXX 3 ) XXXX XXXX Address identification-XXXX they sent me their investigation and said those accounts are veritied and accurate. And accordine to 15 USe 1681i ( 5 ) | see it states 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 credit bureaus did not reinvestigate and violated my right.
Product: Student loan

I initially had loans from the XXXX XXXX with XXXX  that I took out for XXXX  totaling about $ XXXX. My loans had inflated to over XXXX with capitalized interest while with XXXX  and I've consolidated them with a new servicer and paid that down to under XXXX and am still making payments. I've paid on those loans for over 10 years while with XXXX, eventually consolidating them just to lower the interest rate and make a dent in paying them down. With the XXXX XXXX loan forgiveness, documentation points to the discharge of these loans and refund on payments made. I'm being told I don't qualify for discharge due to my consolidation, but also that I'm not owed a refund on funds paid while they were still being held by XXXX. Given XXXX XXXX XXXX XXXX of a school that has a lawsuit against them and have dutifully paid on my loans for years, I just can't believe that I'm not owed anything in return when all other loans are being forgiven and refunded. 

I have called studentaid.gov as well as XXXX  and am told there is nothing they can do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the following accounts listed on my credit report, as they contain inaccurate, incomplete, and misleading information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. The accounts listed below violate this provision, and I request their immediate removal from my credit report. 

Disputed Accounts XXXXXXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

XXXX XXXXXXXX Account Number : XXXX Opened Date : XX/XX/XXXX Issues : The open date is not reporting correctly. 

The date last active is inaccurate. 

The date of last payment is incorrect. 

This account is not being reported accurately, and the information is incomplete. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) Consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The accounts listed above are not being reported accurately, and the incomplete information violates this provision.

FCRA - 15 U.S.C. 1681c This section outlines the requirements for the reporting of obsolete information. If any of the disputed accounts contain outdated or incorrect information, they must be removed.

FCRA - 15 U.S.C. 1681i Under this section, I have the right to dispute inaccurate or incomplete information in my credit report. Once a dispute is filed, the consumer reporting agency must conduct a reasonable investigation and correct or delete any inaccurate, incomplete, or unverifiable information within 30 days. 

Consumer Financial Protection Bureau ( CFPB ) Regulations The CFPB enforces federal consumer financial laws, including the FCRA. I am filing this complaint to ensure that my rights under these laws are upheld and that the disputed accounts are removed from my credit report.
Product: Money transfer, virtual currency, or money service

I went to the  TD Ba nk in  XXXX  MD on Friday,   XXXX   XXXX   XXXX     to cash a check for {$9000.00} that was written on a TDBank checking account. The  He  ad Teller , Ms.  XXXX   XXXX , assisted me with the transaction. She asked for my identification, which I promptly provided. She took a long time working on the transaction ( probably about  10   minutes ).  She consulted the computer an d one o f her colleagues ; and a t one  point went into the back. Finally, with another bank teller at her side, she told me that they would not be able to cash the check since it was for such a large sum and they had tried to reach the person who wrote the check by telephone to confirm that it was OK to cash the check. I responded by saying, " Why would you need to call him to cash the check? He has an account here and you should be able to confirm that he has sufficient funds with which to honor the check. '' Ms.  XXXX  explained that " this is a small bank branch and the check is for a lot of money. '' She asked if I had an account at TDBank. I told her " no '' and she asked if I wanted to open an account with them. I told her " no '' and that I have an account at another bank. I explained that I simply wanted to cash the check that was drawn on  TD Ba nk. She refused to cash the check. I had to ask her to return the check and my identification in order to get both back. I left the bank without being able to cash a check that was drawn on the bank.
Product: Debt collection

Comenity Bank continues to harass me about a debt from the store XXXX XXXX XXXX, I can not pay. I am on Social Security XXXX. They left a message stating they were " Specialist Agent '' as if they were with the FBI or government and made it sound threatening like they may arrest me or something. They have called my mom on her cell phone and I have never given them her cell phone number. The debt is for around {$1300.00} dollars and they call all the time and will not leave me alone.
Product: Mortgage

USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX Problem : Contacted company multiple times about late payment not being late. 
_____________________________________________________________________ XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, i went to Instaloan, a subsidiary of Titlemax to get a small title loan to help with some bills that got behind because work was slow at my job and I had lost some hours. I was told by the girl at the desk, multiple times throughout our interaction that on my loan of {$600.00}, that if I paid my required payment, the total I would pay at the end of the loan would be {$870.00}. They also convinced me to get additional insurance on my car, a XXXX XXXX with XXXX miles on it. They told me the extra insurance was required because I did not have full coverage, only the state minimum. I found out today that was a lie. I have paid my payment on time each month and have given them over {$700.00} now, but noticed that my payoff amount had stayed the same. So I called them. Today a different lady told me that the interest accrues every month and that ive only been paying the interest. Over {$150.00} a month. I told her the girl never said that. Even my paperwork didn't say that. She told me multiple times that the total after everything was {$870.00}. This new lady told me basically if i make the required payment, I'll be paying this for the rest of my life. I only paid {$1800.00} total fir this car. I can't afford to lose my car but I also can't afford to payoff this predatory loan in XXXX lump sum. If she would have explained how this interest worked, I would never have accepted the loan offer. Now I'm looking into trying to sue them. I already suffer from anxiety and this is effecting my health.
Product: Checking or savings account

I called a number on XXXX that was supposed to be for XXXX and was scammed by the person who answered my call. During the call he gained access to my bank account and took almost {$4000.00} out of my account. When I reported what happened to the Bank of America they would not refund me the money I was scammed out of.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

Someone opened accounts in my name and ssn fraudulently. I need these removed from Equifax, XXXX, and XXXX immediately. I have contacted these companies and they have failed to remove accounts. These accounts are hurting my credit score! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have already submitted a complaint and Sallie Mae agreed to remove phone numbers from my account. However, they did not and continue to harass. They will not negotiate any type of payment plan and refuse to work with customers to help with payments, however, interest accrues and they continue to report to the credit agencies. They also use fraudulent practices to mask their phone number and they are predatory.
Product: Mortgage

Dates back to XX/XX/XXXX loan from XXXX XXXX XXXX improper security deed was sold to XXXX XXXX in XX/XX/XXXX then again to XXXX XXXX XXXX XX/XX/XXXX filed Bankruptcy XX/XX/XXXX XXXX XXXX agreed to loan modification with missed payments have statements showing no interest accruing from XX/XX/XXXX thru XX/XX/XXXX payments were to resume with lower interest and lower rate XX/XX/XXXX house fire XX/XX/XXXX attorney realized error on security deed house was free and clear XX/XX/XXXX filed case in court against insurance company and XXXX XXXX XXXX to get funds released for Construction Company to be paid XX/XX/XXXX XXXX XXXX XXXX sold loan to XXXX  XX/XX/XXXX XXXX XXXX XXXX discharged loan with bankruptcy and sent {$1000.00} check for problems XX/XX/XXXX agreed to modify deed to include both parcels with agreement that XXXX was going to give us a contact to work with to get the problem straightened out. XX/XX/XXXX attorney contacted the person XXXX sent information for ... we were given the information. I contacted him and was told we knew nothing about us. Our attorney contacted him again and told me to call him back. Again, he would not talk to us. XX/XX/XXXX we began receiving foreclosure letters. My attorney began sending letters stating that we were working with XXXX. The attorney for XXXX stated they were foreclosure attorneys and that is what they were going to do. XX/XX/XXXX the 1st foreclosure took place. XX/XX/XXXX received XXXX from XXXX regarding foreclosure XX/XX/XXXX received eviction paperwork and appeared in court. This was dismissed because they had only foreclosed on the one acre and we had paperwork showing we owned the house free and clear. My attorney told us they had 30 days to file a motion. XX/XX/XXXX received paperwork from court that they wanted to file for reformation. XX/XX/XXXX after my attorney told me the courts had to do what was legal not equitable and XXXX attorneys lied, left out a lot of information, making it appear that the loan had went directly from XXXX XXXX to XXXX and I had not paid anything since XXXX ; instead of not having paid since the loan modification XXXX and bankruptcy charge. The reformation was allowed. The tax assessor website shows the name change to XXXX XXXX XXXX in XX/XX/XXXX. XX/XX/XXXXthe 2nd Foreclosure took place XX/XX/XXXX I receive a cash for keys offer and my attorney now tells me 'I have never heard of this, take it and see what happens '. I have diligently been calling and emailing anyone and everyone I can think of to try and get this looked at because I don't feel like it is correct.