23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach and subsequent identity theft. As a result, fraudulent accounts have been opened in my name and unauthorized credit inquiries have been made on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the following actions be taken immediately : 1. Place a security freeze on my credit report to prevent further unauthorized access.

2. Block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I earned enough points through my XXXX XXXX  XXXX XXXX XXXX that were redeemed for XXXX {$25.00} XXXX XXXX  XXXX gift cards, amounting to {$100.00} total in rewards. Their website has been broken for a full month now, which prevents customers from accessing those gift cards. Whenever the verification Securpass code comes into play, an error message pops up that prevents you from accessing the gift cards. I have reached out to their customer service three times now, and they have pushed me off every single time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect data on my credit report. 

XXXXXXXX XXXX  XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} ; XXXX XXXXXXXX XXXX Balance : {$2800.00} ; XXXXXXXX XXXX XXXX : {$5000.00}.
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 records 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 XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Debt collection

XXXX hired a collection agency for equipment that was not promptly returned after service was terminated by me. I sent XXXX the equipment back using their return arrangement with XXXX XXXX XXXX about a year ago. The collection agency stopped contacting me, and now it has started again. I do not owe XXXX. They have their equipment. The amount in dispute is {$370.00}
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, we are required to remove any incorrect accounts from my credit report. Could you inspect the documents? There are inaccuracies in the reported accounts, including wrong amounts and dates.
Product: Credit card or prepaid card

on XX/XX/2018 Capital One denied myself, XXXX XXXX XXXX XXXX for a credit limit increase. Previously on XX/XX/2018, and XX/XX/2018, the credit limit was increased. My usage with the card is the same as previous months prior to the credit limit increase approvals in the past, Yet Capital One is stating otherwise. This is a clear violation of the ECOA. FDIC Compliance per fair lending practices section IV 1.1 states " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is discriminatory and unethical according to fair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX filed a report for a credit card inquiry for capital one that I did not apply for. Possible fraud, I reported to XXXX XXXX for a fraud alert on my name.
Product: Mortgage

I was lied to by quicken loans about a credit inquiry. I asked for information regarding loan rates and general information before even applying for a loan or having my credit pulled. I was told that a hard credit pull would not happen but they needed to collect some general information to run scenarios. I was just simply trying to explore possible solutions to my wants. This company explicitly lied to me and when i contacted them they said that i consented to a credit pull so they did nothing wrong. I spent an hour yesterday with them and another hour on the phone with XXXX and quicken loans and both companies tell me they ca n't remove it. I did n't even get a rate or discuss anything that i was looking into doing with my mortgage.
Product: Vehicle loan or lease

On XX/XX/24 my vehicle was declared a total loss by XXXX XXXX XXXX XXXX. The claims person informed me that she would pay the loan balance off and send me the remaining amount. I accepted her offer electronically. Two days later, I received a notification from them stating that a check had been mailed to Capital One who was the lien holder for my car note. I noticed that my claims contact had sent the wrong amount to Capital One so I called her to inform her. I would assume that someone would check her work since it is thousands of dollars but clearly this didnt happen! She placed a stop payment and reissued a check for the correct amount. She didnt inform anyone at Capital One like I suggested she do. She said the check for the incorrect amount wouldnt clear due to the stop payment. Weeks had gone by and I assumed all was well until I purchased a new vehicle and saw that the loan was shown as open and unpaid. I immediately called both XXXX XXXX and Capital One and neither responded. I asked my claims contact to call them and she refused. I asked her to send me proof of payment and she sent it to me by email. I called Capital One and spoke at length with someone about the situation who told me I was owed a refund and that my account was under review. Another two weeks have gone by and I have opened credit disputes with all 3 credit bureaus! Nobody has updated this account as paid off even after I have provided the endorsed check with Capital Ones bank account number to which it was deposited to. I have called Capital One many times and they keep telling me that it is still in review. This has gone on for almost two months now!
Product: Checking or savings account

On XX/XX/2021 my father passed away and we began the difficult process of disbursing his estate. A small IRA was held at OneWest Bank, now First Citizens. OneWest refused to allow funds disbursed to an Inherited IRA outside of OneWest bank, despite the fact that other financial institutions did allow this and that I do not live within OneWests footprint and could never visit a branch. Additionally, OneWest is paying almost zero interest and refuses ( 1 ) to provide any investment options and ( 2 ) to adjust the interest rate despite the significant the current rapidly increasing rate environment. In order to consider raising the rate, they insist that I visit a branch. I am an elderly woman feeling taken advantage by this bank both in forcing me to go into a branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.
Product: Bank account or service

PNC Bank XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX is not reporting the closure of my paid off overdraft on XXXX. I would like this investigated and closed as it was paid off.
Product: Mortgage

In XX/XX/XXXX, I refinanced my home with Wells Fargo. In XX/XX/XXXX, they sent me a check for {$860.00} stating that a recent review had determined that my loan was in excess of their internal pricing guidelines. I spent the next month making phone calls and even visiting a branch office to try to determine what caused the error. I was finally told to write a letter, which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter stating what I'd already been told several times - " my loan was in excess of their pricing guidelines and their pricing guidelines are proprietary. '' It also stated that the interest rate, XXXX and fees in my closing documents were accurate. Does that mean my loan amount is wrong? Am I paying interest on the wrong amount? I imediately called their customer service and was told my case had been closed. I asked them to open a new case ( # XXXX ) and stated that I wanted an explanation for how the {$860.00} was calculated. To date I have had no reply. 

Thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hi, I'm writing to complain that Citibank didn't give me XXXX bonus intro points ( = {$800.00} ) even though I had spent over {$4000.00} after opening this credit card within the first 3 months. I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve. 

On XX/XX/XXXX at XXXX EST, I had a call with a Citibank rep inquiring about this credit card bonus offer and received the confirmation that I will get the XXXX bonus intro points after I convert my old inactive Citibank credit card over to this new Citi XXXXremier Credit card. With that confirmation, I decided to open the credit card and received the confirmation email on XX/XX/XXXX to activate my new card. 

Since then, I had used the Citi Premier Credit card to pay for various expenses to hit the threshold of $ XXXX in order to be qualified for the bonus. 

Today on XX/XX/XXXX at XXXX EST, I called Citibank Thankyou points phone line to inquire why I still haven't receive the bonus point. I was connected to their rep named XXXX ( agent number # : XXXX XXXXXXXX ) who, after listening to the previous recording on XX/XX/XXXX, told me that the previous rep whom I talked to on XX/XX/XXXX had made a mistake, they apologized for the mistake, BUT they're NOT going to honor the full bonus offer. She said the guy resigned shortly afterwards and it was a miscommunication on their end but they're not willing to fulfill the promise of XXXX points now. She said they can only offer XXXX points which is unacceptable to me because I wouldn't have chosen to open and spend that much money on Citi Premier Credit card when there are so many other credit cards out there. 

Their rep XXXX was rude to me and my husband when I was the phone complaining about being misled by their previous rep. She cut me off many times in the conversation and said " it's up to you if you want to accept the XXXX points but that's the maximum we can give ''. She even said " everybody makes mistakes '' which she clearly knows that the mistake was on their end. And she even tried to manipulate the wording but saying that I asked the previous rep about the " bonus '', but the " bonus '' can mean many different things like reward points, which are clearly not the same as bonus. 

I've attached copies of the statement, recording of part of my conversation with the rep named XXXX on XX/XX/XXXX, and email confirmations on opening the account. 

Again, I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve AND apologize for their mistake.
Product: Debt collection

Hunter Warfield Inc. claims that I owe them according to my credit report. However when I called to pay it, they said I dont owe anything. The amount is {$140.00} owed and {$110.00} is the balance. The date of report is XXXX XXXX, 2012. 

Please help, your time and effort are appreciated.
Product: Credit card

High interest charge without a reason as I have an excellent credit ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote the credit bureaus on XX/XX/2022 regarding inaccurate accounts on my credit report. its been over 90 daysand i have not received any form of response from them. They have violated my rights.

15 U.S.C 1681 section 602 { A }. States i have the right to privacy.

15 USC 1681 section 604 { A } section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified.

15 USC 1681ia ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigatio
n under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681e ( b ) ( b ) Accuracy of report -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.

The details of the accounts are inaccurate they are not exact in details and amounts.

15 USC 1681 { i } ( 6 ) Notice of re
sults of reinvestigation ( A ) In general- A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

i have my certified mail tracking receipts
Product: Mortgage

Our current mortgage is through BSI financial. We were in the process of a loan modification and have attempted to contact our contact for nearly a year without any response. 
We finally received documents to sign for the modification and noticed an error. We attempted to contact our contact at BSI but we could never get a return phone call. After many attempts we were able to speak to someone who advised us to sign the paperwork and the underwriter or the agent involved would let us know if it affects the process in any way.

We signed the paperwork and the loan modification did not go through. In good faith we continued to pay the agreed upon loan amount for months. On two separate occasions we were sent to collections by BSI. The first time they fixed it but they have yet to fix it again and list us as delinquent on our payments. 
We just received new documents to sign for the loan modification and have asked for a break down of some amounts that are listed there that we owe and are going to be attached to the loan. To date no one will get back to us and no one that answers is able to explain what those amounts are and how they were calculated.
Product: Debt collection

I kept going back and forth with this company trying to resolve this issue. I had filed a complaint before with the Consumer Finance Bureau but to no avail. This debt was covered and paid for by my health insurance company. I received an email from XXXX stating that the issue had been resolved and they were going to remove the collections from my credit report immediately however they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS APROVE FOR A CREDIT ACCOUNT AT GINNY, S ON OR AROUND XX/XX/2020. I MADE AN ORDER OF HOUSE HOLD OBJECTE ... SHEETSET, OUTDOORS CANOPY, AND A FEW OTHER THINGS, WHICH TOTAL UP $ XXXX..FIRST PAYMENT WAS MADE ON XX/XX/2020 OF $ XXXX.THEY ONLY WANTED ME TO PAY {$25.00} A MONTH, I WANT TO JUST PAY A LITTLE MORE .I HAVE BEEN WORKING ON GETTING MY CREDIT IN ORDER, SO THIS WAS A WAY TO HELP ME.I MADE THAT PAYMENT ON MY XXXX XXXX CARD, MY SECOND PAYMENT WAS THREW XXXX XXXX ON XX/XX/2020 FOR $ XXXX..MY THIRD PAYMENT WAS ON XX/XX/2020.I HAVE BEEN RECEIVING BILLS FROM THEM STATING MY BILLS WAS LATE AND THEY DIDNT RECEIVE ANY PAYMENTS FROM ME, AND THE LAST PAYMENT OF {$50.00} THAT SENT IT BACK TO ME AND THEY PLACED MY ACCOUNT IN COLLECTIONS WHICH IS NOW ON MY CREDIT REPORT..CAN YOU HELP ME WITH THIS UNFAIR TREAMENT..I HAVE PROOF OF ALL PAYMENTS AND CHECK STUB FROM CHECK THEY SENT BACK ... ....
Product: Credit card or prepaid card

In XX/XX/XXXX I contracted with XXXX XXXX XXXX to install solar panels on my home. They provided financing through XXXX XXXX. I ended up cancelling the contract and offered to pay any out of pocket costs incurred in the week from signing the contract to the date of cancellation. This merchant initially charged me {$6500.00} in expenses due ( see attached list ). These charges included two reports ( a set of permit drawings and an engineering report ), see attached. According to the list of costs, those two documents should have totaled {$800.00} ; however, I still have no proof these were actually paid for by the merchant. 

He later submitted to Greensky {$11000.00} in expenses. The merchant and Greensky failed to provide proof of these expenses when asked. I have spent over a year disputing these charges with XXXX XXXX. On XX/XX/XXXX they informed me via email they removed {$7900.00} which left a balance of {$3100.00}. They attached documents to this email I was unable to open. I emailed back stating the documents needed to be resent as I could not open them and never got a response even after multiple email requests. 

In XXXX, I received an invoice for the above charges and contacted them right away to sort things out. My first concern was that I never received the documentation supporting the charges and the second was the invoice showed late charges. 

Greensky has been extremely uncooperative. They have not provided any documentation to support the charges. The merchant is out of business and has also not provided me with proof of payment. When I asked Greensky to provide proof of the charges, they stated they don't require proof from the merchant. 

Having no other recourse, I've since filed law suits against both the merchant and Greensky for fraudulent and unsubstantiated charges. 

In XXXX, while refinancing my home I discovered that Greensky reported me late 30 days, 2 times for the two statements I never received. I contacted Greensky again and was told they mailed them to the same address as the one I received and therefore there was nothing they could do. 

Due to their reporting me late for invoices I never received and assumed I was still disputing, it has had a serious negative consequence on my credit score which ultimately may lead to losing my new loan on my home.