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

Experian is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have sent letters out on the following dates below with some accounts in question that I'm not familiar with XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXI have not received any follow up letters from the bureaus for an update or account status
Product: Credit reporting or other personal consumer reports

I DON'T WANT TO HAVE THIS ON MY CREDIT REPORT PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities. 
I have since received two responses from Experian, an interim on XXXX XX/XX/XXXX to allow more time and then a company response on XXXX XX/XX/XXXX. The response provided was inaccurate and did not resolve the issue. It only created more of a concern as XXXX reported the information as not a match on XXXX XX/XX/XXXX ( please see attached document ) and Experian was not capturing the information accurately ( similar, but not a match ). Experian also references a result summary sent XXXX XX/XX/XXXX but no result summary dated in XX/XX/XXXX has been received as of XXXX XX/XX/XXXX via separate correspondence or through the CFPB site. What does Experian plan to do to correct the inaccuracy in their records and remove this account from my credit history? Has the correction XXXX references in their response been received by Experian?
Product: Credit card or prepaid card

I received no email notification about my Kohl 's store credit card until my account was 60 dpd and had been assessed a total of {$69.00} in late fees. I am enrolled in paperless statements. 

I received several marketing messages ( AT LEAST 1 a day ) during this time. Not a single statement or payment reminder. 

When logging into the account I could see the balance but had to dig into the PDF statements to find records of the late fees. 

Additionally, the customer portal does not allow for setting up auto payments. Or if it does, I couldn't find it when clicking through every screen in the portal. 

When calling their customer service they were happy to reverse the charges. I have had a Kohl 's credit card in the past ( since 2011 have had several cards ) and this is the first time this has occurred. I am submitting the claim because this is an unfair practice that can easily go unnoticed and result in cardholders paying late fees because the company failed to notify cardholders
Product: Checking or savings account

In XX/XX/XXXX, I responded to an offer from Bank of America that required one to open a new checking account and make two direct deposits of at least {$250.00} each within 90 days. According to the attached notice of terms, a bonus of {$100.00} would be deposited in my checking account within the following 60 days. 

After I enrolled for the offer on XX/XX/XXXX, I received a letter via regular mail from Bank of America dated XX/XX/XXXX that stated the requirements of the offer and included a reference number XXXX ( see attached ). 

I made the two required direct deposits in my checking account : the  first on XX/XX/XXXX for {$250.00} ( salary ) and the second on XX/XX/XXXX {$1000.00} ( pension ), well within the 90-day time frame. The terms clearly state that the {$100.00} bonus would be credited to the  account within 150 days of opening the account. On XX/XX/XXXX, I spoke to XXXX in the Advanced Client Solution Department ( XXXX, GA ), who confirmed that the bonus would be credited to my  checking account by XX/XX/XXXX. When it was not, I called this department again on XX/XX/XXXX, speaking to XXXX in XXXX XXXX, TX. He researched the issue more fully, stating that I most certainly qualified for the bonus as I made the two required direct deposits within the 90-day time frame. He promised he would escalate the case and that I would receive a call from Bank of  America by XX/XX/XXXX. 

When I did not receive a call -- - and the bonus had still not been credited to my account -- -I contacted the Advanced Client Solutions department once again on XX/XX/XXXX, this time speaking to XXXX XXXX in Arizona XXXX He said that the escalation team is holding up the decision and there was nothing he could do. 

Therefore, I ask that your organization request that Bank of America upholds its end of the bargain and pay its advertised bonus of {$100.00} to my checking account as soon as possible. 

Thank you.
Product: Credit card

Complaint : I did not receive my XXXX XXXX Miles bonus promotion for my new Citi Platinum Select Master Card : XXXX XXXX 2015 I received an e-mail invitation from XXXX XXXX to apply for the new promotion which after making purchases of {$3000.00} within the first 3 months I would receive XXXX Bonus XXXX miles. On XXXX XXXX, 2015, I applied online and was approved for the new card. In a few days I received the new card. Within the 3 required months, I 've made more than {$3000.00} in purchases and made timely payments and to my surprise I did not receive the XXXX XXXX miles. I contacted Citi Card and after an investigation I received a letter explaining that because, " you either opened or closed another XXXX XXXX account within the past 18 months. ", they were unable to apply the XXXX miles. 
If I had a previous Citi Card ( turns out I did - I closed a credit card 15 months ago ), I should have been informed when I applied that I would not be eligible for the XXXX promotion, and not to issue a new card apparently hoping it will go unnoticed by me. I consider this intentional and underhanded business practice by Citi Card. Last week, I spoke to someone on the " CEO Citi Card Team '' and she said it should have been stated in the Welcome letter that I was not eligible. I explained that It was not and they have not issued the XXXX miles. I noticed in today 's news that CFPB has issued a penalty against Citi Card Bank and I agree that are guilty of " deceptive business marketing ''. 

P.S. I was not ware of any " XXXX Month Rule ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

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

This complain pertains to a Capital One Venture MasterCard. 

On XX/XX/XXXX my husband and I realized that one of our credit cards was missing. We also found 6 charges on our account that we did not make, to stores we do not frequent. We immediately called to report the card lost/stolen and to dispute the charges. On XX/XX/XXXX, the charges were credited back to our account. 

The next month we saw that the charges were had been added BACK to our account on XX/XX/XXXX, and we found two letters when we searched through menus in the app ( we had received no other notification ) with the same date. One explained that the case had been closed and we weren't responsible for the charges. The other said the opposite, that no evidence of fraud was found and we would be responsible. 

I called to speak with a manager and was told that there was no evidence of fraud because " the card was in the cardholder 's possession '' according to the notes made by the person who took the claim. We explained that this was not true - we had reported it lost/stolen. 

I asked what to do to re-open the case and dispute the process and was told it would be looked into, but the manager would not provide any documentation of our conversation or dispute, tell me what time frame it would be addressed in, or explain why the charges could not be removed while the case was ongoing. I was told there was no one else to speak to or nothing else we could do to file a complaint or document the status of this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a {$65.00} new collection from XXXX. I cancelled XXXX which was paid a month in advance. They billed me again -- autopay. I challenged the charge through my bank, XXXX XXXX XXXX, and they communicated with XXXX. XXXX did not respond, and XXXX reversed the charge. XXXX then sold the " collection '' to XXXX XXXX XXXX. I communicated in writing at least twice with XXXX XXXXy, and they don't remove it. I tried to challenge it on Experian 's site, but they would not let me do it online. I had to call their XXXX number. I did, waited for XXXX minutes, then Experian said they couldn't handle the call now, and to call back later, but if it was an emergency, I could hold on. I held on for XXXX minutes listening to them trying to sell me their products. Finally a person came on the line, her mic wasn't working ( or maybe she wasn't working ) or maybe she was XXXX way around the world, but she heard me, then didn't, then I heard her and then couldn't. She finally said, " hanging up for training and quality purposes. '' Experian OWNS MY IDENTITY!! THEY CAN SLANDER ME, AND THERE IS NO REPERCUSSION. THEY CAN MAKE UP AN ALGORHYTHM TO DEFINE ME AND HAVE NO OBLIGATION TO EXPLAIN IT. I HAVE NO RECOURSE TO GET THEM TO RESPOND TO COMPLAINTS. THEY SHOULD BE OUT OF BUSINESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my Experian credit report on XXXX XXXX 2018, around XXXX XXXX EST. I was offered the chance to purchase XXXX and XXXX report as well, for XXXX. When I tried to print out a copy of the report, I received the following message : XXXX XXXX XXXX. The service is unavailable.

I called the company at XXXX XXXX and spoke with a representative. I asked the representative to please refund my money as I could not print the reports. The representative was rude, refused to refund my money saying that " you had agreed to the terms when you agreed to pay. '' I asked to speak with a supervisor, the representative instead hung up on me. When I tried to call back, the recording said the company was closed.
Product: Student loan

Since XX/XX/XXXX-XX/XX/XXXX Fedloan Servicing has been taking an extra XXXX $ out of my account each month on top of the XXXX $ that Im supposed to pay when they switched my plan to a 10 year plan instead of the 20 plan I have applied for and have no record of it on their end. I had to take days and hours of going through my Banks EFT department to provide the transactions to Fedloan Servicing to prove to them by showing the ACH Transaction Detail their CompanyID and Trace Number that they were in fact taking money out of my account and not applying it to my loan. I spoke to 4 different individuals and no body could tell me their companyID number nor provide me any comfort or anybody to talk too. On top of the fact, they let interest rack up and made my total balance higher making it even more difficult to pay. This is absolutely the most insane event I have ever experienced in my entire life. How does a company take money from a broke, college graduate and can nobody explain to me where the money is going to from within their organization when it should have been going to my student loan balance?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX I missed a call from XXXX. I received a pre-recorded voicemail stating a simple suit has been filed with their company. In order for the process to be stopped I must contact their office immediately at XXXX and reference case number XXXX. If I respond to the message once contacted by the county processor I will be required to have two forms of identification and if I am served at my place of employment and I am not present my supervisor or human resource person will be required to sign for me personally, and stated I have been officially notified. 

On XXXX XXXX, XXXX I called the company back at XXXX and they asked me to verify my name and the last four of my social security number. I verified this. I asked them the reason for the voicemail and the representative stated I had a loan with XXXX XXXX back in XXXX. Then the representative stated I did n't make the because I was n't working was this correct? I stated I never had a loan with XXXX XXXX and I asked if she could send more info to me in writing, she refused and disconnected the call. 

On XXXX XXXX, XXXX I called CFPB to file a complaint and obtain the required information to file a complaint. On the same day I called XXXX and asked about the company and the loan. The representative stated they can not share any information about XXXX XXXX with me and that I will receive court documents to appear in court. The company stated they do mediations on behalf of XXXX XXXX. The representative did provide their company information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Payday loan, title loan, or personal loan

I've been a victim of predatory lending by this company. I was under the impression that I was signing up for a loan with a fixed installment payments but much to my XXXX  I have discovered that I'm an endless debt trap. No matter how much I pay my loan balance is not decreasing which is causing me great financial harm and distress. The sold this loan as a line of credit but failed to tell me that would never pay this loan off by making the payments. I feel that this was an act of deception and I want out of this loan
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX AND TRANSUNION Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX AND TRANSUNION CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My wife and I married in XXXX of 2020. She has a pending greencard application with approved XXXX as well as a valid SSN. When attempting to add her to my bank account, which is generally a requirement to show good faith in a legal marriage for XXXX. Chase informed us that they were refusing her legal documents from DHS/USCIS and would only accept documents that had her single name. Which is clearly impossible since her legal presence here is all based off her married name, the name shown on her SS card as well as her CA ID, marriage license and all other official documents. 

After arguing back and forth they assured me this was the only way they could do it as she is not a legal resident, when she clearly is, as she has valid legal presence in the US. They had her sign an SS document saying that the SSN we provided belonged to her single name, when we repeatedly pushed that this was incorrect and would cause problems later he said it was only for their internal use. 

3 days later I find my account frozen and a fraud flag placed on the account and that I only had a short window to rectify it before the account was frozen permanently. They explicitly stated that an account can not be opened unless all information matched the SS card, and that her legal status has no bearing on the account and that her passport can not be used. 

We returned to the bank the same day to find him changing all the documents to her married name, which is what I pushed for originally and blamed us for the problems, not even once did we receive any kind of apology. He stated over and over the XXXX department was incorrect, when they are clearly the ones who attempted to verify the information and flagged the account. 

I am nowhere near being down and have wasted several days of time on this, to find out my account is still frozen. This has delayed my tax return, returned my recurring ACH transactions for insurance and other purchases as well as upending everything relating to any banking transaction. I had to have to XXXX force an over ride just to deposit a check and get cash and the treatment I have received is unacceptable. I am now concerned I will never receive my tax refund as all account activities are blocked as well as knowingly submitting incorrect documents to the SSA even after repeated attempts to inform him the information was wrong as well as illegal to knowingly submit them as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 reviewed my credit report for fraud. I saw a hard inquiry as stated below that is not mine. XXXX refuses to remove until I file a report. This is not mine. It has caused damaged to me by lowering my credit score 12 points. 


XX/XX/2020 CAPITAL ONE/BASS PRO XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX
Product: Checking or savings account

I deposited a paycheck on XXXX.19 in my husband 's name ( XXXX XXXX ) for XXXX from XXXX XXXX. It was into our new account at Suntrust bank. I deposited the check in the drive through, and was not told a hold would be placed on it. We got 2 letters in the mail, 1 stating it was being held due to a new account, and 1 stating it was being held due to confidential information that it might be fraudulent. I've called XXXX multiple times, and have been told the account is being monitored. My husband called the local branch and was told our funds would be released on XX/XX/19. However, they were not released. I received a direct deposit into the account today for XXXX from my new job at the XXXX XXXX XXXX of the XXXX XXXX XXXX. I went into the local branch in XXXX VA today, XX/XX/19. When XXXX XXXX called the corporate line, she was told that Suntrust has terminated our relationship. No one can tell me why. They also say since " there was new activity in the account today '' ( aka my direct deposit ), it might take 4 weeks until we receive a check from the bank. I have bills to pay, including childcare, and have NO access to MY funds. I don't understand why they allowed my direct deposit to go into the account if they had already " terminated the relationship. ''