23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My complaint is regarding Citibank 's AAdvantage Platinum Select credit card. In short, I believe that this card is marketing and servicing strategy behind this card is knowingly deceptive. Citi is offering a financial incentive to open an account with them in the form of an alternative currency ( the offer I was promised was XXXX AAdvantage miles ). This alternative currency expires in 18 months unless a purchase is made with a specific vendor ( XXXX XXXX ), or the card is used ( a condition that is hidden in the fine print ). 

For the vast majority of consumers, the latter method of keeping their miles alive is obviously the more realistic option. In effect, this creates a significant financial penalty for closing the card ( often in the magnitude of hundreds of actual dollars ). As the card itself is not very competitive when it comes to rewards, the primary reason that I ( and I believe many others ) keep this card open and pay the {$95.00} annual fee is because Citi and XXXX have structured the card to essentially exploit this penalty. Their primary method of doing so is by limiting the ways in which the alternative currency can be used ( for example, miles can be used to pay for upgrades from coach to business class, but not for upgrades from a regular coach seat to a coach seat with additional leg room ). In addition, miles can not be used to partially pay for a ticket. These limitations effectively make it impossible to redeem miles in smaller denominations, which makes it much harder to redeem them at all. As a result, people are more likely to have miles left on their account and therefore a financial incentive to keep paying Citi a {$95.00} annual fee. 

Even more alarmingly, these limitations are entirely absent from any marketing materials for the card. I believe that most individuals somewhat reasonably assume that this alternative currency, which is only redeemable at one vendor, is at the very least applicable for any purchases at that vendor. Neither Citi nor XXXX XXXX would incur any significant cost for removing these limitations. When I called XXXX XXXX, they mentioned that they launched the paid upgrades within coach class over 4 years ago, meaning that they have had ample time to address this issue. The only reason that I believe these limitations still exist is because they allow Citi to maintain a deceptive financial incentive over their Cardmembers.
Product: Credit reporting

I am disputing with Transunion certain inquiries that were added to my account which I gave NO authorization or consent for. I have requested to Transunion to remove them as these vendors and merchants have no permissible purpose to view my report in accordance to 15 U.S.C 1681b. I have faxed this dispute in and have provided CFPB with a copy of a confirmation.
Product: Credit reporting or other personal consumer reports

Experian 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, ( C.F.B.P. ) has recently filed a lawsuit against Experian 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 Experian 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 account, as Experians in action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Credit Inquiries Dear Credit Reporting Agency, I hope this message finds you well. I am an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I am writing to request the removal of all negatives items, inquiries from my credit report. As a XXXX XXXX I am often faced with challenges related to my financial decisions, especially when applying for credit. Unfortunately, I did not initially understand how to effectively manage my credit, which resulted in multiple inquiries that have now negatively impacted my credit score. Having since educated myself on credit management, I have developed a better understanding of how to maintain and improve my credit standing. To move forward with renewed discipline and responsibility, I kindly ask for the removal of all inquiries from my credit report. This will allow me the opportunity to start fresh and make informed financial decisions. Thank you for considering my request. I appreciate your understanding and support as I work to improve my financial situation Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX ; XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XX/XX/XXXX, XXXXXXXX XXXX Credit Report - XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Payday loan, title loan, personal loan, or advance loan

I have a positive cash flow and extremely positive.

This bank is saying it is negative every month.

I know accounting and my bank says otherwise. 

I'd like for them to base my loan decision off my information, not someone else 's information. 

I've been paying off debt recently and alot of it, but I have money in my accounts all the time and yes, I have four checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems with Experian and upon reaching out to Experian multiple times this week, I am not closer to any resolution and am now even further delayed as I can not even access my Experian account. I have tried through the website to obtain my username which they provide, input my password which states that no record is found under that username, tried to input my username to reset my password, at which point it states account does not exist. 

I have contacted Experians technical support team, inputted my social security number and have been transferred, hung up, and sent back to the Experian automated system countless times. I can not even access my Experian account to see if they made changes to the Experian errors on my credit file including credit score and late payment flag that is causing all of the problems to begin with. 

The other reporting agencies, XXXX and XXXX report excellent credit with scores in excess of 820, 100 % payment history for over 154 months and all open and closed accounts are accounted for. 

In Experians case, they report the same data with the exception that they have a Late Payment Flag under their Payment History that is Wrong! As both Experian and I have reviewed the Experian credit reports, there is not a single account that shows ever being delinquent, and yet this late payment flag is causing the scoring errors on Experian by over 100 FICO points. Additionally, this erroneous Payment history flag is causing Experian to list my payment history as Good Payment History when in reality it is Excellent Payment History. 

Experian refuses to acknowledge, resolve, and properly research the error. They should be penalized, fined, and censored for their lack of customer service, lack of professionalism by continually hanging up on customers, and lack of accountability for an ongoing problem that has not been resolved in a few years already. 

I would welcome the opportunity to work with the XXXX to get to the bottom of this as I know that Experians governance, policy & procedures, and processing controls are not in alignment and are causing irrefutable harm to consumers like me.
Product: Bank account or service

I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Submitted on Time : I made the payments on time ; however, due to a clerical error by XXXX, the payment was not processed until after the due date, resulting in an incorrect late payment entry on my credit report. I have attached a copy of my bank statement and payment confirmation showing the transaction date. 
Inconsistent Reporting : There are inconsistencies in how the late payment was reported across different credit bureaus, which further suggests an error in the data handling by XXXX. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I am enclosing documents for your consideration. I request the bureau to start an investigation into these accounts, as they inaccurately report me as late despite my punctual payments.
Product: Credit reporting or other personal consumer reports

I observed some incorrect accounts appearing on my credit report this morning, and I'm unsure of the reason. When I reviewed my credit report as usual, I found unexpected discrepancies. I attempted to refresh my browser, thinking it might be a glitch, but the inaccuracies remained. Given this problem, I request that the documents I've submitted be thoroughly reviewed to prevent future concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates contained with my credit file for XXXX XXXX are incorrect and the credit bureau is in violation of the FCRA. In accordance with the FCRA the collection agency must report the origianl date of delinquency and this date is not allowed to change by law. In a effort to reage the account XXXX has filed incorrect dates. In accordance to the FCRA the creditor must report the debt from the original date of delinquency. The information XXXX has in the file is incorrect and the credit bureau is in violation. They did not review XXXX  documentation prior to reporting the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian neglected to sufficiently investigate the errors being reported on my credit report. 
I do not have an account with XXXX XXXX XXXX. 
XXXX XXXX XXXX account has been reported without providing documentation showing the true and correct information. I do not see any correct information for this account, No balance history, no payment history, missing data, Experian claims this account was opened over 7 years ago which also puts this account in violation of satute of limitiations of collection and reporting. Experian claims this account was opened 2017, then experian should supply/provide the documentation proving this account to show such or delete immediately from profile. Experian neglected to report this account full details, Highest balance data is missing ( provide this information or delete this account immediately ), First date of delinquency is not being reported also, when was the first and last date of delinquency. ( provide this information or delete immediately ), This account is also being reported repeatedly every month as a collection, this is a violation of fcra laws. What was the amount last paid and what was the payment date for that. Being that the payment history is missing lots of important data, Experian provide this or delete the account immediately. This account is listed as an collection account, why is experian reporting a past due amount on a collection account? This is in fact Illegal to report negative and false information that harms the consumer. Experian has neglected and caused harm by conducting illegal reporting and sharign of my data and I demand to have this national credit account deleted from my profile immediately. XXXX XXXX is not the original creditor but also neglected to notify me of such account and both national credit and creditor claim to not have any information on this account so why does experian report negative and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$360.00}, {$320.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized ATM withdrawal of {$360.00}. was made from our checking account using my debit card number. I immediately contacted Wells Fargo about the fraud and they started a claim ( # XXXX ). They finally sent me a notice dated XX/XX/XXXX that the claim was complete and that they found that the withdrawal was made by me or someone who had my permission. This is totally NOT TRUE. This is after my account was hacked XXXX other times in various ways but with reimbursement from Wells Fargo. 

Then on XX/XX/XXXX another unauthorized ATM withdrawal of {$400.00}. was made from the same checking account using my husband 's debit card number and at the same ATM. He contacted Wells Fargo and they again started a fraud claim ( # XXXX ). In a letter dated XX/XX/XXXX they denied paying us the {$400.00}. and again said they found the withdrawal was made by him or someone who had his permission. This, too, was totally NOT TRUE. This was the XXXX hack via his debit card. 

My husband made several calls and tried to escalate his dispute. We received a letter on XX/XX/XXXX WF Case ID # XXXX, basically saying no error has occurred and we should open a new account. 

Both withdrawals were not done by us. We had our debit cards with us and were at home when they occurred. In addition, we asked to see the videos from the ATM but were denied and told to file a police report, which we have not yet done.
Product: Mortgage

Spouse and I purchased a home together in XX/XX/XXXX. We made all the payments on time. In XX/XX/XXXX he became ill. We began the modification process due to his loss of work for medical issues. XXXX   XXXX XXXX completely abused us during this process. We sent in every document they requested multiple times. When they would send stuff in the mail, I would fax it to them and over night it to them. I sent everything to them twice. They would ignore our calls, they would assign us to a loan consultant and then they would change it. They would ask for all the documents again, and again. We did this process for 19 months. For 19 months we tried to modify this loan while XXXX  XXXX XXXX was busy dual tracking us. In XX/XX/XXXX XXXX was diagnosed with XXXX  XXXX XXXX. I had to stop working to care for him. In XX/XX/XXXX XXXX XXXX  XXXX told me that they could not communicate with me because the Power of Attorney ( XXXX XXXX ) told them to foreclose on the house because we were no longer interested. XXXX  XXXX XXXX should know that a Power of Attorney can not speak for a surviving spouse. I hired XXXX XXXX XXXX XXXX  XXXX to help me ( They are terrible too ). They promised to resolve this issue for me. {$12000.00} later, they have done nothing for me. My account is now with Carrington mortgage who also continues to abuse me. I had to pay {$20000.00} our of pocket for storm damage because Carrington will not give me the insurance money for an insurance premium that I solely paid for. The issue is here that I am the original owner of this home. I have been there since XX/XX/XXXX. He served in the XXXX and got XXXX. XXXX had an insurance rider that if he died I got the house free and clear. Now XXXX says no because the account was not in good standing when he died. It was not in good standing because they will not modify the loan. They are too busy dual tracking. I had XXXX credit score now I have XXXX. I had {$80000.00} in the bank, now I have {$20000.00}. I have spent everything I have fighting for this home that is mine. These mortgage company 's have abused me when I just watched my husband die of XXXX. I am being threatened with foreclosure when I have a XXXX year old son. So I work my XXXX off everyday for social services and to raise my child and I get this abuse from these banks and this arbitration services. I feel that I am entitled to all house free and clear, especially after all this abuse. I think these companies should be required to return all the money they have stolen from me. I am really suffering and the bank has done all of this to me.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, & XXXX XXXX XXXX are reporting an allege debt that they state I owe a debt that I do not. Just because a contract is transferred and assigned does not give you a right to collect and you have not received any judgement from a federal court. I did not receive a notice of my right to dispute this debt before it was added to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account XXXX  a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.