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

Citi Bank changed their travel insurance policy right before the beginning of the Covid-19 pandemic. I was not aware of these changes when booking my vacation in XXXX of 2019 and denied the insurance offered through the booking agency as I thought my card would offer protection. 

Due to Covid, our vacation was cancelled and the booking agency would not allow a refund, postponed vacation, or a credit toward the following year. I then filed a dispute with Citi Bank and they would not offer any relief. Now, not only is the vacation cancelled but I am stuck with a bill of {$2000.00}. 

I wish that Citi Bank would clearly notify customers when terms of their card are changed. Possibly even have the card member at least acknowledge the changes to their benefits. I travel for work and settled on my two citi cards, in part, based on the travel insurance that was included.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Experian for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, Experian used the XXXX system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address XXXX Non-Issuance by a XXXX XXXX : XXXX. Despite my dispute, Experian, XXXX, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a XXXX. This raises questions about the legitimacy of the debt and violates federal regulations. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Violations : XXXX. Failure to Conduct a Reasonable Investigation : o Experian violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of XXXX resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide XXXX of XXXX : o Experian failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address XXXX Non-Issuance : o Experian, XXXX, and XXXX continue XXXX report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have received several phone calls from a company called Creedence Resource Management. They claim to be calling regarding a personal business matter. They have alleged that I owe money to a XXXX XXXX, I have never done business with this bank. another call claimed a debt with ATT. I have never owed monies to either. They sound like they are calling from a boiler room. Research via the internet shows that this is a scam company that goes after you for fraudulent debt. They misidentify their telephone number so it looks like a bank is calling and call from a local number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my Equifax credit report and noticed several ( 37 ) unauthorized credit inquiries on the Equifax report and ( 21 ) on the XXXX report. I mailed a multiple inquiry removal letter to both agencies the following day requesting that the inquiries be removed as I did not authorize them. On XX/XX/XXXX, I received a generic letter from both Equifax and XXXX basically stating what inquiries are and what they contain..They failed to remove the inquiries which is why I have decided to file this complaint. I am fully aware of my consumer rights and have every right to dispute inaccurate and unauthorized information on my credit. Please investigate this as quickly as possible as these inquiries are preventing me from obtaining credit with new creditors. Thank you.
Product: Credit reporting or other personal consumer reports

Hi, I had a legal name change and have attempted to update the name on my credit report multiple times, but each time, Equifax does not update my name. Every time, I get asked for the same information I have already previously provided, and the name on my credit record does not get updated. 

XX/XX/XXXX : Submitted dispute by XXXX Priority XXXX Certified mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by XXXX Priority XXXX Certified mail ; received a response asking for documentation that was already sent XX/XX/XXXX : Submitted dispute by XXXX XXXXXXXX XXXX XXXXXXXX in parallel with submitting this complaint XX/XX/XXXX : Submitted dispute online ; received a response asking for documentation that was already provided Please update the name on my credit report and remove my old name from my credit report. My name has already been updated with all my open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Ive disputed my mid oregon credit card payment history with transunion twice. I have perfect payment history on that card which has been confirmed with the bank but transunion shows a late payment. Both times transunion has fixed it when I dispute it but then it comes right back the following month. Ive now disputed it a third time which is ridiculous. Please take whatever action you can against transunion and their poor record of properly resolving this dispute.
Product: Credit card

Consumer Financial Protection Bureau Original Case XXXX XXXXXXXX XX/XX/XXXX This case was closed but the problem is not resolved. I could not respond until I received more information from XXXX. 

I do not owe Citi XXXX {$110.00} as XXXX refunded the $ XXXX Citi XXXX XXXX XX/XX/XXXX. I have explained this to Citi XXXX every month since XX/XX/XXXX and they keep wanting me to pay what has been already been refunded to Citi XXXX. 

I am attaching the e-mail from XXXX Dated XX/XX/XXXX explaining again what was done in XX/XX/XXXX. Citi Cards response from XX/XX/XXXX is irrelevant. The money was already refunded to them. 

XXXX XXXX
Product: Student loan

I got a private student loan from XXXX XXXX, which has since been transferred to Navient. The original loan amount was for {$30000.00}. Since the first getting the loan I have paid over {$23000.00} in interest ( interest rate is currently at 12.125 % ) and I still owe {$27000.00}. I will never be able to get out from under this loan even though I have practically paid it off just in interest. Navient has been unhelpful on the multiple occasions that I have reached out to see what options were available to me for paying off my loan. I am XXXX years old and am trying to purchase my first home with no success as I have fallen behind on credit card payments over the years in an effort to pay off my student loan first. It has ruined my credit score, my chances of getting a home loan, and has caused tremendous stress in my life. Additionally, Navient is beyond unethical in how they post my owed payments each month. One month I will owe {$360.00} and the next month it will be {$54.00}. I 've searched my account for a monthly statement that would help me better understand how my money is being applied with no success of finding one. I was directed to put my loan into forbearance, have been denied tax deductions for the interest I have paid on my loan and am honestly at a loss for what to do. I have been in touch with Navient several times to try to negotiate the terms of my loan but they will not talk about repayment options until the loan has had a late payment on it and then that mark goes on my credit score. I do not have the knowledge or power to get myself out from under this loan. It is a huge burden with no relief in site.
Product: Debt collection

I sent a detailed email to Jefferson Capital systems, XXXX, on XX/XX/XXXX. Requesting copies of any documentation as to the original debt, with signatures. They sent me a statement from XXXX. That's it. No loan documents, no signatures, no other paperwork at all. I sent another request today. I asked for copies of any/all documents with signatures as to proof of debt.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
2. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
3. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
4. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
6. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
7. Inquiry from XXXX XXXX ( Bank ) on XX/XX/2023. 
8. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
9. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
10. Inquiry from XXXX XXXX XXXX  ( Finance ) on XX/XX/2023. 
11. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
12. Inquiry from XXXX XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
13. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
14. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
15. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
16. Inquiry from XXXX XXXX ( Auto ) on XX/XX/2023. 
17. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
18. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
19. Inquiry from XXXX XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
20. Inquiry from XXXX ( Finance ) on XX/XX/2023. 
21. Inquiry from XXXX XXXX XXXX ( Bank ) on XX/XX/2023. 
22. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
23. Inquiry from XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
24. Inquiry from XXXX XXXX XXXX XXXX ( Auto ) on XX/XX/2023. 
25. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
26. Inquiry from XXXX XXXX ( Finance ) on XX/XX/2023. 
27. Inquiry from XXXX XXXX  XXXX XXXX ( Bank ) on XX/XX/2023. 
28. Inquiry from XXXX XXXX XXXX ( Finance ) on XX/XX/2023. 
29. Inquiry from XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) on XX/XX/2023. 
30. Inquiry from XXXX XXXX  ( Bank ) on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Transunion promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from XXXX regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX, I was involved in a vehicle accident that resulted in my XXXX XXXX XXXX being declared a total loss by XXXX XXXX. After the collision center at XXXX XXXX XXXX in XXXX, NC, submitted paperwork to XXXX XXXX on XX/XX/XXXX, the insurance company sent the necessary power of attorney documents to my mother, XXXX XXXX, on XX/XX/XXXX. The car loan from VW Credit is in my mother 's name due to the fact her credit score is higher than mine and she was able to secure a lower APR when we refinanced the vehicle XXXX years ago. However, the vehicle has been in my possession since XX/XX/XXXX, and I reimburse my mother for all car payments. 

XXXX XXXX informed VW Credit on XX/XX/XXXX, that my mother and I had completed all necessary paperwork and had accepted the payout amount of {$5500.00} to go towards paying off the vehicle. XXXX XXXX requested VW Credit sign a letter of guarantee and send to the XXXX XXXX total loss department as soon as possible so that a check could be cut and overnighted to VW Credit. 

For the past 10 days, VW Credit has sat on the letter of guarantee, refusing to sign it. In the meantime, VW Credit continues to draft my mother 's bank account for car payments on a vehicle that is currently sitting in a salvage yard. On XX/XX/XXXX, VW Credit drafted her account for {$220.00}. I have reached out to VW Credit on several occasions, but I've been given the runaround. XXXX XXXX has contacted VW Credit on a daily basis to expedite my total loss claim but VW Credit refuses to acknowledge its fiduciary responsibility and sign the letter of guarantee. 

In the meantime, I am having to pay out of pocket for a rental vehicle. The current cost is approaching {$500.00}. I believe that VW Credit should do its job and close out our account, so that I may purchase a new vehicle. This is creating an undue hardship due to the fact I commute XXXX miles roundtrip to work every single day.
Product: Debt collection

I had an XXXX done and I was under XXXX help in the state of NJ. XXXX hospital in NJ. The hospital knew that I was unemployed at the time because of my XXXX XXXX having gone through XXXX different XXXX in under 1.5 years. And yet they sent me to a XXXX who was outside of the XXXX network who of course billed me after the procedure was complete. 
The Hospital knew that the procedure was imperitive and yet they chose to send to a doctor who was outside of their network. Though I had asked them repeatedly about sending to a doctor inside of their network so I 'd be protected under the state XXXX program and insurance. Now i have an outstanding debt on my collections for the amount of about $ {$1700.00} and it is affecting my credit ratings. Please advice me as I do n't know how to move forward to have this taken off my credit records. Thank you for your assistance. My email is ( XXXXXXXXXXXX ). Name : XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I received a notification that someone was trying to use my debit card.They denied it and sent me a new card however they sent it to the address of the person trying to use it.I had no clue until it was too late and they had taken XXXX $ out of my account, I filed a claim to get reimbursed and after 2 and a half weeks my claim was wrongfully denied.Now XXXX $ is missing.
Product: Credit card

An individual scammed me into giving him {$75000.00} and a credit card for which he was going to open me a restaurant. I did everything he asked me to do financially in the phony contract and without my permission he use the card to make over {$50000.00} and purchases that had absolutely nothing to do with opening a restaurant for me. He even went as far as becoming an authorized user on the card and he made minimum payments for a few months and by the time I found out what he was doing it was too late. I immediately called the company because responses from the culprit were unsatisfactory, and he ultimately cut off communication with me. Ive gone as far as to give Capital One his name and I offered to give them his phone number. The only response Ive gotten from them even after reporting this to my credit bureaus is that Im responsible. I pay all of my bills and I take pride in my credit but this is one that I can not pay and I will not pay. This wcam has cost me and my family over {$120000.00} and its going to ruin my credit that Ive worked a lifetime to establishplease help. XXXX XXXX Note : I put my address as the billing address just to complete the form and not leave it empty but I never received a bill from them and Im assuming that my address was shoes. Because I was not using the card and did not know the card was being used in his fashion, I never paid any attention to their email correspondences until it was too late.
Product: Payday loan, title loan, or personal loan

I have a loan with EnerBank ( Now Regions bank ) for my solar panels. 
XXXXm paying with autopay. Theyve changed their autopay system and charged me {$260.00} twice on XX/XX/XXXX. 
I spoke to XXXX ( XXXX min wait ) on XX/XX/XXXX, she resolved the duplicate recurring payment issue but said I would receive a call within XXXX hours for refund of duplicate payment. 
This call never came. I called again XX/XX/XXXX ( XXXX min wait ). Spoke to XXXX she assured me I would get a call. 

Its now XX/XX/XXXX. There is no way to speak to a manager. Apparently the only way to speak to a manager is to wait for their call which never comes. 

Banks shouldnt be allowed to do this. This should have been resolved on my first call. 
The bank should be fined for the inability to resolve complaints. 

The bank has no incentive to resolve this, or to prevent it from happening in the first place. Of course if I owed them money things would be different. 

By the way I tried to resolve this online with a form - got no response. 
Tried to use their text system, it doesn't work with XXXX customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax XXXX  and XXXX if they can remove all of the old addresses and and inquiries tied to those addresses and they said they will but have not its been months after
Product: Mortgage

The mortgage company escrow dep. was supposed to pay our new insurance carrier for our home owners policy, they claim to have done so 4 times, each time the insurance company indicates they have not received the funds. We found the first 2 checks were sent with incorrect policy numbers despite me confirming the correct policy number the second time. Now the mortgage company keeps telling us they paid and when asked for calls back, and copies of checks front and back they claim they called and sent emails but we never received anything. The only time I received anything was when I had them send an email while I was on the phone with them. I have requested a copy of the back of the check they allege now was cashed on 3 sperate occasions and they said they would email the back of the check. I still do not have the evidence the insurance carrier is asking for so they can track the payment and match it to my account. 
I have spent hours on the phone making attempts to resolve the matter with out success and am disgusted that they keep telling me they call when they didn't and that they emailed us when we check our junk and spam and yet when we are on the phone it works fine. 
My Mortgage company is Midwest Loan Services on behalf of XXXX XXXX XXXX The missing check is for {$1100.00}
Product: Credit card

I looked at my XXXX credit report on XX/XX/year> and noticed that Self reported inaccurate information on my account. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) The late payments provided on my credit report are inaccurate. I do not owe this debt.
Product: Debt collection

On XXXX/XXXX/2015 Security Finance Corporation/XXXX made contact with a XXXX-party regarding my account and left a threatening message. I have asked Security Finance Corporation staff to contact me directly regarding my account. It appears that Security Finance Corporation deliberately released information regarding my account to an unsuspecting family member to embarass me. It seems that Security Finance Corporation is engaging in oppressive and abusive collection practices. This behavior is not legal.
Product: Debt collection

On XX/XX/2023, I noticed that I had a collection from Central Portfolio Control for an amount of {$150.00}. I have never interacted with, done business with, or signed any paperwork with this company. I am not liable for this debt with Cental Portfolio Control, as I've stated, I do not have a contract with them. They did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, I filed complaint XXXX through CFPB and you sent this complaint to Experian the same day. According to 15 USC 1681i Experian has 30 days to investigate and send me the results for the disputed alleged accounts XXXX XXXX  and XXXX XXXX. Experian took over 30 days from XXXX XX/XX/2022 to XXXX XX/XX/2022 to re-investigate the above accounts from complaint XXXX and did not delete the above accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian and XXXX XXXX XXXX XXXX XXXX multiple times, letting them know that I am a victim of fraud, experia refused to block this information from my credit report, even after knowing that I am a victim of fraud, everytime I dispute these two accounts experian says that the accounts have been validated, I didn't authorize for an account to be opened in my name, I want to know what information was used to verify this debt, I need the original application showing my signature, I need validation of the debt showing that it belongs to me. I do intend to file suit if this account isn't removed within 7 days from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.