23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Citi Diamond Preferred Card with CitiBank in late XX/XX/ 2024 with the intent of receiving only pre-approval information to make a final decision based on that. However, upon applying, I was placed into a pending queue. Then, days later, I received a letter in the mail stating " We need some additional information regarding your application ''. When I acted upon this request via Citicards.com, the website was not functional, so, alternatively, I used the phone number provided on that same document : XXXX, where I was only prompted to enter my ZIP code. Upon doing this, however, I was instantaneously and officially approved- without warning, without pre-approval rate knowledge, and without consent, most importantly- for the credit card and told that it was on the way via mail. This is an extremely deceptive practice.

When I tried calling, of course, I all got was a pre-recorded line that wasn't capable of addressing the situation, so I tried using the online chat. After getting through the bot, an agent just read from a script, offering the same phone numbers I had been calling. Finally, I just started calling the application hotline ( most likely in XXXX many of the representatives were also clearly using VoIPs and probably off-site servers from the sound of the audio quality ). There, I was just passed around 3 or 4 times to what was supposed to be customer service specifically for my issue, but they were clearly just people who didn't understand the issue and/or couldn't help, usually saying that they " only work in applications ''. 

Before the forced approval, the application ID and reference number that would have been used were XXXX and XXXX, respectively. I want this application to be as if it never happened without negatively impacting my credit score. I want them to undo the approval and whatever else they did when I gave them my ZIP code. I do not intend to activate the credit card being mailed to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 items : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$260.00}
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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Liability : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX XXXX was paid agreed to take it off but showing closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I am unaware of them, and the company acted without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting that I am ( 120 ) days late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Credit card or prepaid card

It's a Citi Diamond Preferred CC account. The payment was due XX/XX/18, I was in transit - flying. Had the flight gone as planned, I would have made the payment in time. As it happened, I was stuck on the plane on the tarmac due to equipment failure, then inclement weather for 5 hours. I did not have alternative means to pay the bill as a result of this situation. I sent in the payment as soon as I was able the next day. I then called Citi card services about the fee. I was told a request was put in, though nothing could be done until the fee was officially assessed on XX/XX/XXXX at the latest. The fee was assessed on XX/XX/18. I called about the request to remove the fee. The representative told me he put in the request electronically, it was immediately denied with no explanation. I asked if I could speak to a supervisor or someone higher in the chain of command who had authority to deal with this issue. He said no one has a higher authority to deal with fees, all positions have the same authority and there was nothing he could do. I find this highly improbable. I suspect this is an auto denial on all late fees regardless of situation. Ihave had fees dealt with from other card companies in the past. This is a policy that is not for the customer. It does not embody the value of a relationship that Citi cards claims to create.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XX/XX/XXXX. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted XXXX XXXX ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
Product: Credit reporting or other personal consumer reports

I need your help regarding an inaccurate account on my credit report. This error has negatively impacted my reputation, and I am reaching out for your assistance.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 or other personal consumer reports

I recently reviewed my credit report and noticed incorrect, unauthorized, and inaccurate account information relating to fraud and identity theft resulting in damage to my credit file.
Product: Credit card or prepaid card

I made a payment for outstanding balance not statement balance so my payment was more than they required for XXXX payment. Instead of applying the payment to the account because I made the payment through a transfer from another one of my bank accounts they put a hold on my payment preventing me from using my card. I was told because the payment came from another account which they said was recently linked so are they discriminating with my other bank? Its a U.S. operated bank from XXXX XXXX XXXX and there shouldnt be any issues. After speaking with a customer service rep he said because I paid more than the statement balance it confused them even though that was the outstanding balance owed. Am I not allowed to pay back the money even when its not the statement balance? There shouldnt be any issues with this. So instead of applying my credit card payment I only have an available credit of {$160.00} instead of what it should be which is {$1400.00}.
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Product: Checking or savings account

I have been receiving spam mail from TD Bank.

I did not sign up to receive this spam mail.

Just today, I received another spam mail.

I have attached the front and back of the spam mail I received.
Product: Student loan

On XX/XX/2018, I wanted to participate in the federal student loan rehabilitation program, so I clicked on the first ad I saw after doing a XXXX search. I called Student Loans Consolidated and mentioned to them that I had rehabilitated my loan in the past and would like to do it again. They agreed, so we negotiated on the initial fee of three monthly  payments of {$180.00} for a total amount of {$540.00}. I made the payments via money orders and then waited for them to contact me with further instructions. In XX/XX/XXXX, I heard somewhere that a person can not rehabilitate a loan twice. I XXXX  it and sure enough it was true. I was livid. These people knew that when we talked on the phone and had misled me. I emailed XXXX XXXX and demanded my money back. He said his manager, XXXX XXXX, would be handling my account and contact me concerning any refund. Well, Mr. XXXX never contacted me at that time, and Mr. XXXX said that he handed my account over to their legal team to reverse my rejection. I then threatened to sue them. I have already filed a complaint with the Washington State Attorney General 's Office, and now with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

Date of last payment as well as date of balanced update inaccurate XX/XX/XXXX XXXX XX/XX/XXXX. Delinquent date inaccurate XX/XX/XXXX XXXX XX/XX/XXXX information coming from same how are they different, inaccurate please remove ASAP do to FCRA noncompliance. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Product: Credit reporting or other personal consumer reports

Received annual Experian Credit report via USPS on XX/XX/year> after having requested my credit report online @ https : //www.experian.com My personal information in my Experian.com account is correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX However, the Experian Credit Report I received shows my name incorrectly written as : XXXX " XXXX ''. 
My address and all other information within the report appear to be accurate. 

I called the ( off-shore ) Experian customer service number to report the misspelling of my last name as it appears on the Experian Credit Report that I received via USPS, on XX/XX/year>. The Experian phone contact/representative to whom I spoke told me that it would be my responsibility to confirm my correct name and to verify my identity by sending to Experian, via USPS, copies of documents containing personally identifiable information. Experian has made a sloppy mistake and I want nothing more to do with them. Experian is in the business of collecting information that is sold by Experian, for profit. The information is arbitrarily represented as being accurate, whether it is accurate or inaccurate. How do I know this? Because when I reported that my name is misspelled on my Experian Credit Report, Experian 's response was that I take on the responsibility of correcting THEIR ERROR. Experian does not cultivate trust by requiring the consumer to correct Experian errors; especially knowing that incorrect information may already have been sold by Experian to some inquiring entity. These companies have too much power and make too many mistakes. Credit reporting companies are not required to vet the information they sell, when at the same time, they require that the consumer self-vet when an error is made on the part of the credit reporting agency. It seems that these credit reporting companies are not required to meet clearly defined standards, such as taking responsibility for correcting simple errors. The verification of the spelling of a surname easily can be corrected by accessing public records. 

My Experian information access has been frozen, and I would recommend that other consumers take heed of Experian and the cavalier manner in which Experian regards the individual consumer, whose personal financial information is the source of their profit. I will not take on the burden of correcting the errors made by those responsible, i.e., Experian.
Product: Credit reporting or other personal consumer reports

I recently found that an amount of XXXX was annotated on my credit account for a vehicle I thought was paid for since XXXX stopped applying the allotment to my loan. I do not apply the allotment which comes in by weekly to the loan it is the responsibility of XXXX. Therefore, I asked for a burndown of the car loan and the rationale on why this was even sent to collection when the allotment has been sent to the XXXX saving account in the same manner for the last 6 years. This is not an error of the consumer, the account should have NEVER went to collections and should have never been annotated on my credit report.
Product: Money transfer, virtual currency, or money service

I opened an account with XXXX  to be able to purchase shares of company stock. PNC will not allow me to link my account.
Product: Checking or savings account

about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life
Product: Credit reporting or other personal consumer reports

They are reporting this as a write off but I ever received a XXXX forum when I called to request form they advised theta now they sold the debt to spring oak capital on XX/XX/23 and that they can give me anything because its no longer theres but if it was was wrote off then how can they sell the debt if its wrote off I ask that this be removed off of my credit report completely for inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 my credit monitoring company notified me that Capital One had made an inquiry on my XXXX credit report. This was a fraudulent inquiry that I did not authorize. I disputed this inquiry with XXXX  because I've heard hard-pull inquiries can lower your credit score. I want the inquiry removed from my credit report. 

XXXX  informed me they could not remove this inquiry because " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' That response makes no sense because in this case the creditor made the fraudulent inquiry. It's like telling the victim to contact the criminal. 

I did in fact contact Capital One. They searched my SSN in their system and assured me there was no record of any such inquiry. Capital One told me that any " official '' or properly initiated inquiry would be in their system. This to me suggests the inquiry was done by a rouge employee or a hacker with access to Capital One 's systems. It's also possible it was a simple error ( e.g. someone simply mistyped a SSN ). Regardless, the bank should have a system for tracking ALL inquiries so that they can correct any mistakes or identify hackers or rouge employees.
Product: Debt collection

This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved
Product: Mortgage

The stupid XXXX 3 day for CD disclosures to the consumer is the most ridiculous rule that has ever been created for the real estate community. Even if the CD changes the title and lender has to eat it. As a borrower my new home is ready and these changes has delayed us being able to get into the home 5 days and possibly more than that because of the XXXX XXXX holiday. 

I would think that after 3 months of searching for a home, and 30-45 days of underwriting and getting everything to the underwriter except a sample of blood, that the last thing I would want is an unnecessary delay. By that point in time I am pretty confident that I just want the keys to my new house!! 

I still do n't get an initial disclosure and then the closing disclosure that I need 3 days to review. Seriously this is an example of too much regulation.