23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EXPERIAN for taking no action to correct and remove the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out dispute letters to them last XX/XX/2023, and XX/XX/2023, but until this time no further action I been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
Product: Credit card

Customer Service does not recognize my credit card number However this Sunoco XXXX Credit Card is recognized by gasoline pumps and inside gas stations to pay for coffee or gas. They have offered me discounted gasoline but the app to obtain the discounted gasoline does not recognize my credit card number. Customer service is unable to find my account with my social security number
Product: Bank account or service

Hi, I opened a Citi Gold checking account online through the Citi website on XXXX XXXX, 2016. During the enrollment for the checking account, I entered the promo code " XXXX '' in order to receive XXXX XXXX XXXX points as a bonus after fulfilling the minimum requirements. After reaching the minimum requirements, on XXXX XXXX, 2016, I reached out to the customer service online chat to confirm. The customer service representative confirmed that I had reached the requirements and that I should be receiving the bonus in my account within 90 days with a confirmation email. I had done confirmed with XXXX separate online customer representatives After not receiving any confirmation email after one month of waiting, I called citi customer service on three separate occasions to find out about the situation and they had stated that I would need to continue to wait for the bonus to arrive. After not receiving any confirmation from Citibank, I then asked to speak to the customer service manager and he mentioned that I would not be eligible for the bonus. 

I have researched online that many Citigold customers are receiving the same issue without receiving a confirmation or their bonus. I have attached a screenshot of one of the secure messages with a Citibank customer service rep. Please help me regarding this situation, I was planning to use these points for my honeymoon and it would help a great deal financially, thank you.
Product: Debt collection

There was a debt of {$4400.00} that was owed to MILITARYSTAR. It was paid out of our income tax return from the treasury on XX/XX/2023. XXXX put that they updated to charge off instead of removing after collection was paid.
Product: Debt collection

I'm in disagreement with the account listed below which still appears on my credit report, even after investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score. ( Self ). In accordance with the fair credit reporting act, public law 91_506, title VI section 611. Please provide the names and business addresses of each individuals with whom you verified so I may follow up. Please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I am writing to complain about the fact that I have contacted Equifax, XXXX and XXXX Credit Bureau on several occasion about improper reporting of information in my credit report, but the problems continue. There are multiple violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am alleging violations under the following sections of the FCRA : 15 USC 1681b, 15 USC 1681, 15 USC 1681a ( 4 ), 15 USC 1681n, 15 USC 1681e ( b ), and 15 USC 1692g.
Product: Payday loan, title loan, or personal loan

Payoff indicated that my online application was approved for an offer and requested that I submitted the required documentation to complete the process, which I did. I didn't have any followsup from Payoff regarding the status of my applications. The offer was valid until the beginning of XXXX and I had made several attempts to get this resolved espcecially since they had sensitive information. Payoff had a representative named XXXX who lied and said that there were credit freezes on my credit reports which they weren't as of today. He also lied and said that Payoff submitted emails this past month showing the status of my application which was a lie as well.
Product: Debt collection

I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor 's name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I'm unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I'm paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don't need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I'm unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I'm unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Student loan

I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.
Product: Debt collection

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to NCB and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina  ONLY.
Product: Vehicle loan or lease

I have an account with Santander Consumer USA, account number XXXX. I was struggling with payments throughout my time being as a XXXX XXXXt and as a current XXXX XXXX. Now since the account has been charged off in XXXX of XXXX. I am not able to receive XXXX  loans due to this. I am requesting a 1099 from this company and would like for my loan to properly be verified.
Product: Mortgage

I have a mortgage for my residence in XXXX, NH which has been sold XXXX times now. The mortgage is currently held by the servicing company, Stearns Lending, XXXX XXXX, VA. The terms of my original loan were that no escrow account was required for either property taxes or property insurance. I have paid on time since the inception of the loan my mortgage, my taxes, and my insurance. All are current and up to date with no late payments. My loan was taken over by Stearns approximately 10 -12 months ago. During that period, no escrow was applied to my account. Stearns is in possession of my current property insurance coverages as well as the fact that I pay my insurance company directly. Two weeks ago I received a letter from Stearns stating that I owed them {$920.00} and that they were creating an escrow account for insurance and increasing my monthly mortgage rate by {$76.00} to make the escrow account. I pay XXXX directly for both my home and car insurance and it is up to date with no late payments. Stearns creation of this escrow account is in direct violation of the terms of my original mortgage. I do not want an escrow account and do not understand why I am being required to do so. I have contacted Stearns on numerous occasions and have received little to no appropriate response. I keep being sent back and forth between customer service, escrow, and insurance departments but apparently no one there seems to be able to correct the problem. It would be greatly appreciated if someone from your office could contact Stearns on my behalf. Thank you very much
Product: Mortgage

JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been 60 days!!! When I call to check on each respected document with each bureau ; I an given the " run-around ''. I am being told that they have not received the documents and that I should just simply mail them again. I have since mailed said documents a grand total of 5 times. I, unfortunately, am still given the exact same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and ( additionally ) I demand that ALL items listed on each letter be DELECTED from my reports.
Product: Checking or savings account

Get OCC involved. Needs to be placed on US treasury DO NOT PAY LIST. 

scam artists who- lie to me do not enter my data correctly have multiple computer failures have XXXX issues -retaliate against veterans and XXXX veterans -seize asset wo US GOVT permission refuse to allow customers to wire money to another account refuses account access to check funds -are in TEXAS and repeatedly CON other veterans refuse to open credit lines when thousands available for the line bc they " cant put you as a citizen '' in the computer
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX Balance Owed : {$500.00}
Product: Checking or savings account

I opened a Capital One 360 Savings account in early 2024. The terms were that if I deposited {$1000.00} into the account and left it there for 90 days, they would then pay me a {$200.00} reward. The reward never came after the 90 days, and they never explained why. They just made excuses about how the money was deposited ; I deposited the money just as they said I shouldfrom an outside bank account.
Product: Credit reporting or other personal consumer reports

filed an ftc report in XXXX of XXXX, had my identity stolen, cleared up all the names addresses and accounts that got associated with my name. i had put a credit freeze with transunion during XXXX of XXXX. In XXXX of XXXX  had 2 inquiries added to my credit report which was not done by me. called transunion to rectify the situation, to no avail. how can this happen with a freeze on my account. they had me file a report and call both creditors send them my information. and their response was that it mustve been me who got the credit, these inquiries have no attachment to my credit profile ( no loans, no credit cards, no service ). just got off the phone again with them told them about what i had just learned with the FCRA. and was told to file a report again. 
the inquiries im disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I had reported two charges to be fraud. The two charges were from XXXX XXXX, 2021 : XXXX XXXX XXXX - {$120.00} XXXX XXXX - {$28.00} I was told that these charges were marked as Fraud back then when I had called Chase Customer Service and were taken off my account and I was given a new card with a new card number. Today, when I opened my credit card application, I see that Chase re-billed for those two charges and on calling customer service/Fraud protection/Recovery Department I was told that the charges were put back on my account because the investigator put a memo on my account saying that " These charges were made physically at the store by providing the card '', Isn't this obvious? When I said I lost my card, that means someone got hold of my card and used it at a store. I dint do these charges and I need justice here.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and found the following items to be in error, inaccurate, invalided and false : I'm a single mother and my consumer report is vital to my livelihood. These inaccurate accounts are causing me XXXX and stress and prohibiting me from receiving a good job to feed my family. 

1. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX I 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 13. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 15. The inquiry was not authorized # XXXX XXXX I Date of inquiry : XX/XX/XXXX Delete from consumer report 16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 19. Under XXXX XXXX XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX XXXX ( XXXX ) this account is in violation of not reporting XXXX accurately. 
XXXX Account Number : XXXX Delete from consumer report 20. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX XXXX Account Number : XXXX Delete from consumer report 21. Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurately. 
XXXX Account Number : XXXX Delete from consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation ignored. Took more than 30 days.
Product: Money transfer, virtual currency, or money service

I am a landlord. In late XXXX and early XXXX tenants sent me money via my cashapp account. It did not deliver. When I called the person there said I should delete the account and start over. When I did I was frozen out of my account. I got a loop in the app which would not allow me to login with my name. 
I need this money which is XXXX. 
My cashapp account was my name
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 items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( I learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit card or prepaid card

This complaint is directed towards Bread Financial who has recently taken over for Comenity Bank. 

On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on. 

I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers. 

This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial. 

It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again. 

This is extremely poor customer service and IT IS stealing from customers. 

Please take care of this issue.