23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/2016 I opened a Citigold Checking account offering XXXX Thank You Points for meeting the requirements. The promotion code that I used was XXXX. I met all the requirement on XXXX/XXXX/2016, and confirmed via chat that I fulfilled the requirements on XXXX/XXXX/2016. The customer service rep told me that I would get the Thank You Points within 90 days. On XXXX/XXXX/2016 I contacted customer service via chat to again confirm that I was eligible for the promotion, and to find out the exact date the Thank You Points would post to my account. The rep told me that the points would post by XXXX/XXXX/2016 at the latest. On XXXX/XXXX/2016 I contacted customer service again through chat because my points has still not been posted. The rep told me that they will post by the end of the month ( past the 90 days that was in the initial agreement, most likely to collect another $ XXXX monthly free ). The rep then opened an investigation as to why I have not gotten the points. In the chat session, the rep confirmed that I was eligible for the promotion and that I would have an answer within 2 days. I still have not received an answer as of XXXX/XXXX/2016. I believe that Citibank is just stalling in order to collect another monthly fee. I searched online and I see that many people are having this problem with Citibank. I feel as if I was purposely lied to in order to open an account, so Citibank could just collect fees from me. I have upheld my side of the agreement and Citibank did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a hard inquiry on my credit report for Transunion that i am not aware of. The inquiry shows up on my credit as : XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX I would like to have this removed from my credit report because i do not know how or why its on there.Please contact them asap thank you
Product: Credit card or prepaid card

Late charges require to be removed as I had a medical emergency and I am now on track on my payment
Product: Credit reporting or other personal consumer reports

There was an IDENTITY THEFT on my name and I have filed a police report for it as well as a police report on the fraudulent accounts that were opened. Please remove AND block the following FRAUDULENT account from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX Total Balance : {$8000.00} I have attached a cope of my police report to this dispute for this Identity Theft.
Product: Student loan

When I lost my job, Navient put me into unemployment deferment instead of an income based plan with a {$0.00} payment. I saw a news article about the class action lawsuit CFPB is taking against Navient for putting consumers into lesser repayment plans, realized mine was in the less helpful plan, and called them to switch it. Instead of switching me to IBR with an income of {$0.00}, they switched me over to IBR based on my income when I had a job. 

To compound this problem, they only notified me that they put me in the wrong IBR on Saturday morning, do n't answer the phone over the weekend, and took the money out of my account on autopay before my credit union had even opened this week. 

When I called them yesterday to complain, they said they could suspend my payments for 60 days to make sure they processed the IBR correctly, and that my payment was n't really due today, but since it was processing on autopay they could n't do anything about it. They should have suspended my payment for 60 days the first time so that this whole mess would not have happened! 

I am very frustrated that they repeatedly did not help me make sure I was in the best plan and only had helpful payments taken out of my account. I am frustrated that they sent me notice on Saturday that I was in the wrong IBR, at which point it was too late to fix it. I am frustrated that they took {$400.00} out of my bank account, which is my entire unemployment check, when they should have taken a {$0.00} payment. I was in PSLF before becoming unemployment and plan to be in the 25 year repayment if I can not do PSLF, so the {$400.00} payment does nothing to help me pay off my loans, and is money I really need right now since I am unemployed. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company checked my credit more than one time for only one account. 

XX/XX/XXXX XXXX companies reported inquiries I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize. 

XX/XX/XXXX a company reported an inquiry I did not authorize.
Product: Mortgage

Pennymac made multiple mistakes when creating my refinance documents : 1. Repeatedly failing to remove an unwanted escrow account that increased the amount of the loan 2. Listing a family member who should not be on the loan because they are out of the country for the next several years and were never intended or needed as a signer The refinancing process has now exceeded 75 days, and it is impossible to reach a loan agent by voice after more than a dozen phone calls. 

After repeated failures to correct these mistakes and deliver a new electronic version for us to review, we met with the title agent to sign the closing documents today and had to cancel because mistake # 2 above was still not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

An additional complaint against Experian. I requested my credit score from Experian and in the process of paying for this score, I was also asked to create an account. I was faudulently charged {$39.00} instead of {$4.00} for this experian credit score, and I submitted a complaint to the CFPB ( # XXXX ). Thereafter I called Experian to inform them that I filed a complaint with the CFPB against them and wanted to provide Experian with the complaint number, only to be informed that the {$4.00} was for the 1st month and that I would be charged {$19.00} thereafter for a monthly membership! A fact I was not aware of until I called Experian to provide my CFPB complaint number to them. I never signed up to be a member of the club of consumers requesting their credit score, that makes no sense. The Experian representative informed me that the membership information and charges were tucked away in the terms and conditions link. I informed the respresentative that such information ( charges, any sort of membership etc, etc ) must appear upfront and not in any terms and conditions. I never clicked on or read the information in the terms and conditions, because {$4.00} was such a small amount. 


I told the representative I never agreed to any membership or any membership fee, and that I wanted to cancel this " membership. '' While on the phone with this representative I also asked her where in my experian account online could I cancel this " membership? '' The representative informed me there was no way for a person to cancel the membership online, and that anyone wishing to cancel their membership must call Experian to cancel, this is despite the fact that I created the account online. So I had her cancel the membership. 

Though my complaint is technically resolved, the CFPB should be made aware that there are millions of other consumers that would no doubt have fallen victim to Experian 's fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed again that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$860.00}, {$1200.00}, {$250.00} & {$250.00}. I challenge the accuracy, compliance and reportability of these listing. 
There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXX {$9300.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. 
The account that reappeared is XXXX XXXX XXXX  acct # XXXX block and delete this account. Ive reattached the ftc report as well as the police report
Product: Credit card or prepaid card

Bank of America closed my accounts with them and canceled my credit card which had {$1500.00} in bonuses on it. 

They would not give that money to me and denied me access to it. 

Basically. My account representative at Bank of America told me to go through them
Product: Money transfer, virtual currency, or money service

It is a claim for my PayPal account : XXXX I called the seller numerous times the week before the alleged delivery date because XXXX had never attempted to deliver my package and each time attributed the unsuccessful delivery to a different absurd reason. I took off of work that week to be physically present in my apartment to receive the package as well. 

I filed my claim on XX/XX/year> and the seller responded a week after. 
However, it took whoever from PayPal that was assigned to my case more than 1 month to investigate this case. Meanwhile, I called PayPal multiple times for updates. During one of the calls I had, the Investigation/Resolution associate told me that the seller responded to them with the same tracking number and info as I provided in my XXXX-page pleading and nothing more. Further, the associate informed me that they are waiting longer because PayPal wants to see if the package moves after 30 days had passed. ( Because the tracking showed that the packaged was still at the XXXX XXXX ). 

Now, whoever from PayPal was assigned to my case closed the case with a reason that a signature was provided. In my pleading, I made it very clear that the package required my signature ( the receiver ) and I never ever signed anything that week from XXXX. I also stated that if a false signature was given by someone else, then it is FORGERY- a federal crime. Moreover, the alleged delivery location was not even the same as mine. The PayPal employee clearly couldn't even bother to read my detailed pleadings which detailed all the material facts and all the discrepancies with XXXX. This is absolutely absurd! If PayPal wants to facilitate XXXX 's foul play, then PayPal has evidently implicated itself into this case as an accomplice. I can not believe that PayPal 's Consumer Protection was nothing but a sham to elicit consumers like me to consistently use their service. Once there is a problem, they could not even do their due diligence to follow through their promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to noncompliance with the CRA ( Experian ) They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

I provided Experian my state id 's with the following address and dates I have resided there : XXXX XXXX XXXX, XXXX XXXX, FL XXXX from XXXX & XXXX XXXX XXXX XXXX , XXXX , FL XXXX XX/XX/XXXX-Current Please remove all other addresses associated with my file.
Product: Credit reporting or other personal consumer reports

Hi, I am living in XXXX, XXXX, XXXX. On XX/XX/2024, after requesting a hard inquiry on my credit report from a mortgage broker, I was informed that I had some loans, current and past addresses, phone numbers, AKA names, and SIN number which aren't mine. 

This is a mixed file case. 
I called Equifax, filed a report, and filled out the online form which is supposed to restore my identity. The day later, on XX/XX/XXXX, they sent me 2 email confirmations with the case number ( attached below ) that the car loan was removed and my info was updated. 

On XX/XX/XXXX, my mortgage broker checked again and my info is even more wrong than the previous one with a new set of debts. I called them again, gave them my customer reference profile ( online ), and went through every single detail with them. They admitted it was a mixed file again and said they fixed it and then would send me confirmation within XXXX hrs. 
The time was passed and no response from them and my credit report is still wrong. 
Please help to resolve it. It's an urgent matter.
Product: Mortgage

We purchased a new home on  XXXX   XXXX ,  2017 .  Lender CalAtlantic M ortgage collected real estate tax escrow funds at closing but did not pay the taxes  to the county. CalAtlantic th en sold the loan to  XXXX  in  XXXX   2017 . We received a notice from  XXXX   XXXX  on  XXXX   XXXX  stating that real estate taxes had not been paid and late fees and penalties were charged to the account. Lender failed to make timely escrow disbursements and stuck us with the late fees.
Product: Money transfer, virtual currency, or money service

My XXXX was acting up, so I had some of my friends pay me on Venmo. My balance went to {$3000.00} in a couple of days from these payments, I did not withdraw my money right away and Venmo suspended my for " Violating their terms '' I don't believe I violated any terms. But that's besides the point. 
They locked {$3000.00} of MY MONEY inside of the account, and it's not able to be transferred out, so they essentially stole my money. 
I have read online that PayPal/Venmo does this to a LOT of their customers. Steals their money inside of the account. 
They said within 180 days they would make a decision to give me my money or keep it. This is not fair.
Product: Mortgage

My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two car loans from a XX/XX/XXXX included in a Chapter XXXX Bankruptcy and XX/XX/XXXX included Chapter XXXX bankruptcy they both were removed from my credit report on or before XX/XX/XXXX by all there credit Bureau XXXX, Equifax and XXXX. Since challenging these items, I've notice consistent removal of items that have been on my report over ten years. The removal causes my score to improve and within a few days of this score improvement, a new re-aged item appears on my report from medical collections, to previous auto loans that were previously removed that and included in the bankrupts beyond seven and ten years. I have sent disputes multiple times to Equifax, XXXX  and XXXX regarding XXXX. This time around, I received an email from Equifax stating their investigation will need more time, I assume because I attached each of the credit reports I've received from each Bureau dating back to XXXX, including disputes that they mailed me in the past letting me know when these accounts were and will be removed from my reports. I received updated reports with the removals. Equifax deleted XXXX XXXX car loan along with my Chapter XXXX Bankruptcy and Chapter XXXX bankruptcies on or before XX/XX/XXXX. They have had many months of investigation, all the while my credit score continues to suffer from their non compliance of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX. I was on the phone with a XXXX colleagues at XXXX central time, XX/XX/2024. We talked about how XXXX is reporting inaccuracies on my credit report by saying I missed XXXX and XXXX payments. But I got bank statements to prove XXXX subtracted the funds out my account both months. A XXXX employee talked to a supervisor then they gave me this email to attach my proof and statements. Also I was informed by XXXX when I show proof you guys will removed the late payment ASAP. This is really hindering me because my credit is being affected for mistakes XXXX did. XXXX  dont answer the phone nor respond back to any emails.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet and I feel as if I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days and should be removed promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that youve caused me. My information was also impacted by the XXXX data breach and my information may have gotten into the hands of the wrong person.
Product: Debt collection

The Privacy Act of 1974 prohibits unauthorized disclosures of the records it protects. It provides protections to individuals in three primary ways. Under this act, my right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of my personal information was violated. Pursuant to this act, I never gave written instructions authorizing the creditor and/or debt collector to send my personal information to any credit bureau. The creditor and/or debt collector did not get my written and/or verbal consent to add anything to my consumer report, which is also in violation of the Fair Credit Reporting Act. Per 15 U.S.C 1681b ( a ) ( 2 ) the Permissible purposes of consumer reports states, any consumer reporting agency may furnish a consumer report under the following circumstances and no other unless : In accordance with the written instructions of the consumer to whom it relates.

Furthermore, [ 15 U.S.C. 1681b ] 15 U.S. Code 1692c - Communication in connection with debt collection states, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Credit Collection services reached out to my employer in an attempts to collect a debt. I DID NOT AND DO NOT GIVE MY WRITTEN AND/OR VERBAL CONSENT TO DO SO. Credit Collection Services, XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 

I was never given a verification of the original debt, my privacy was breached after the debt collector reached out to my employer looking for me without my consent. XXXX, XXXX, and XXXX and the debt collector Credit Collections Services are not maintaining reasonable procedures. Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of Credit Collections Services reporting services to XXXX, XXXX, XXXX, and any other reporting agency effective immediately and indefinitely.
Product: Credit reporting or other personal consumer reports

Negative accounts are being reported on all three of my Credit Reports : XXXX, Equifax, and XXXX. I have been disputing this item since XX/XX/XXXX every 30 to 45 days in 6 rounds intervals, taking a pause for 60 days and reengaging. Each time I have disputed this item, the credit bureaus state that the debt is valid and updated on my reports. I have contacted the creditor directly repeatedly since XX/XX/XXXX and each time, they have sent me statements and credit card application when I requested proof of the account. I have even offered to pay for deletion of debt on my credit reports. This will be my 5th round of letters to this creditor and they still refuse to remove this negative account from my credit reports. Additionally, several negative accounts are being reported multiple time on each credits report. It is showing the alleged negative account reported from the original creditor and multiple negative collection accounts for the same debt for several different providers, some of which are not legally allowed to collect in my state of residence.