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

I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.
Product: Credit reporting

Back in XXXX XXXX 2016 I had a series of inquiries removed from my report from Transunion . All these inquiries were reinserted back into my credit file. I never received a reinsertion letter from Transunion. I sent Transunion a Certified letter which they received XXXX/XXXX/2016 disputing these inquiries. I never received any response from Transunion. Only thing I got in the mail was a small card which stated they put a fraud alert on my credit file. By law, Transunion is required to notify me within 5 days of any reinsertions to my credit file.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is causing serious concern due to its credit impact. It has already led to a loan rejection and higher interest rates on my existing credit accounts. This situation is creating severe financial and emotional strain, which will continue until resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover knowingly closed this account because they know it was fraudulent this is not my account and I contacted them numerous times about this
Product: Credit card or prepaid card

Apple Card ( issued by Goldman Sachs ) has frozen my card for over a month now. When I call into customer service no details are given and no timeline is given. Simply that my account is under review indefinitely. The last time the customer service team reached out to me was XX/XX/XXXX and it has been a month now with no movement and I cant use my credit card. This feels fraudulent / unfair. What is the purpose of a credit card if in fact you cant use it!
Product: Credit reporting

I have contacted experian numerous times in regards to a collection from XXXX XXXX XXXX XXXX that appears on my credit report from Experian. I 've tried for the past year, to get this sorted out. Under the FCRA I have the right to ask how my dispute was processed and who they contacted for the information. I have done so, and they always claim they investigated the dispute, and it is accurate. How do they deem that its accurate if they ca n't even tell me who they spoke to? I disputed this account online in XXXX 2016 and most recently XXXX XXXX. I would like this account removed as there is no relationship between myself and XXXX XXXX XXXX XXXX.
Product: Credit card

For years I had an aadvantage platinum which had an annual fee of {$99.00} billed annually in XXXX. On XXXX XX/XX/year>, I called to change the product to the no-fee aadvantage mileup card. I specifically confirmed with the agent that by changing the product that i would NOT be charged the annual fee for the aadvantage platinum. The agent told me that since the product change was effective as of XXXX XXXX that no fee would be charged. On XX/XX/year>, I was charged a MEMBERSHIP FEE MAY XXXX XXXX. {$99.00} which is XXXX full month after the product change to the no-fee card. I contacted citi by chat to request immediate reversal of the annual fee. I have attached the chat transcript. I was told that the fee will be refunded after XX/XX/XXXX. This is an unacceptable resolution. I would like it refunded immediately, as it is at best an honest mistake. or if not an honest mistake, fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Transunion due to 4 items on my credit report being collection accounts listed with a " past due balance ''. A collection account can not also be past due and a violation of my rights. I also sent a dispute of a charged off account that shows settled but was still reporting a monthly balance which was also inaccurate and requested deletion of incorrect items. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Transunion asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Transunion in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Today I received new " dispute results '' from Transunion dated XX/XX/XXXX just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Transunion did not comply with this request within the time frame allotted they need to delete the disputed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via certified mail, a formal dispute of  XXXX   XXXX   XXXX   XXXX  is Illegally reporting on all  XXXX  major bureaus,  XXXX , Equifax and  XXXX . I have requested that the information be removed due to per Texas  SOS debt collection must be Bonded, and although they are not a 3rd party collector, they are indeed trying to collect a debt via the credit bureaus with a " Cancelled Closed File '' per the Texas SOS. I have attached the  search results.
Product: Debt collection

Hi STEVENS BUSINESS SERVICE ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX XXXX days late will be removed. 
XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX  XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXXXXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$9700.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX # XXXX HAS VIOLATED MY RIGHTS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 These inquiries are unauthorized XXXX have written consent with my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's remove, they say will not do. Sent me nothing to substantiate account.
Product: Credit reporting or other personal consumer reports

I recently updated my personal information XXXX residential aaddress, phone number, angry the accounts with XXXX of the XXXX credit bureau agencies XXXX and XXXX. Because I recently wanted to get a store credit card to obtain furniture and appliances for a newly purchased home in XXXX Georgia and it keep getting denied I have great credit XXXX. To the fact that there have been queries many by me by mistake because I didn't understand the online process very well I'm in my XXXX. Still need to obtain store credit card to purchase appliances I want my credit profile fixed
Product: Mortgage

On XX/XX/2022, I requested a cancellation on my private mortgage insurance ( PMI ). I included an appraisal that I have met and/or surpassed the loan-to-vaule ratio needed to cancel PMI. It has been more than XXXX  days and I have not received any response from my mortgage company regarding my request.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I've noticed Hard Inquires being reported by TransUnion without my legal consent nor my approval. Due to this complaint, I'm requesting for the following to be removed from my credit report. I am a victim of fraud. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. Cc Federal Trade Commission. Cc State Regulatory Agenc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I received a summons from XXXX XXXX law firm regarding a XXXX XXXX credit card business account that had been closed with a remaining bance of {$2200.00}. I called the law firm on XX/XX/2018 and made a settlement agreement to pay {$700.00} in exchange for XXXX XXXX reporting the account with a {$0.00} balance. The call was legally recorded for sufficient evidence. I paid the {$700.00} in XX/XX/2018 and received paperwork from the firm stating the settlement was paid in full. XXXX XXXX changed the balance from {$2200.00} to {$1500.00}. The agreement was for a {$0.00} balance. I called XXXX XXXX and disputed the with all three credit bureaus without any success at almost 60 days beyond the satisfied agreement. I will upload documents and recorded call if possible.
Product: Debt collection

I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.
Product: Credit card or prepaid card

Capital one credit card wants me to pay charges that I didn't do. I tried to tell them, and they closed the card and left me with a bill and it's on my credit report that I owes them and I was going through fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX  XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. XXXX SHOWING SAME ACCOUNT XXXX. XXXX XXXX & XXXX CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE AFFIRM! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!
Product: Credit card or prepaid card

XX/XX/XXXX : I was notified by my credit monitoring that Regionsbank had pulled a hard credit inquiry using my name and social security. I have NO relation with XXXX and have NOT applied fir credit. 

XX/XX/XXXX : I called Regionsbank. I was told that no charges had been made and that they would close the fraudulent account immediately. I was told to complete their Uniform Affidavit for Identity Theft and email to XXXX, which I did the same day. 

XX/XX/XXXX : I received a credit report update showing that Regionsbank had nonetheless opened a credit card account using my personal information. The account was still active with a balance of {$12000.00}. I immediately called Regionsbank again. I was told that they did receive my affidavit on XX/XX/XXXX and that they were investigating. 

XX/XX/XXXX : I filed a Identity Theft Report with the FTC, report # XXXX XX/XX/XXXX : I sent a follow up letter by certified mail to Regionsbank requesting written confirmation that I am not responsible for these fraudulent charges. 

XX/XX/XXXX : Regionsbank received the letter per the return receipt. 


To this date XX/XX/XXXX, I have received NO response whatsoever from Regionsbank. After I submitted a copy of the FTC report to the credit bureaus, they did remove this fraudulent account from my reports. However, they are still showing the hard credit pull by Regionsbank. 



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Product: Credit reporting

I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.
Product: Credit reporting or other personal consumer reports

According to a certified mail receipt, the credit bureaus received my dispute regarding all accounts relating to CAPITAL ONE on XX/XX/year>. I sent an affidavit to CAPITAL ONE explaining the inaccuracies listed on my credit report as well as duplicate accounts. These concerns raised questions around the reliability and validity of the information reported by this company, so I requested validation of all debts associated with CAPITAL ONE. These debts included : CAPITAL ONE, ACCOUNT NUMBER : XXXX ( duplicate account ) CAPITAL ONE, ACCOUNT NUMBER : XXXX CAPITAL ONE AUTO FINANCE, ACCOUNT BEGINNING IN : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX ( duplicate account ) On XX/XX/year>, I noticed XXXX CAPITAL ONE credit card accounts removed from my credit. On XX/XX/year>, I received an email directly from the company stating they received my dispute regarding the auto loan. No mention of the CAPITAL ONE credit cards listed in the dispute. My Experian dispute center does not show a dispute reported for the credit cards which were removed and my XXXX results returned stating disputed items not currently reporting on your file. '' However, they were REMOVED from my credit file. In addition to that, the XXXX XXXX XXXX collection was the duplicate I was referencing which is still on my account. Then a collection under the furnisher PORTFOLIO RECOVERY was then added to my account once these credit cards were removed.

Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 15 U.S. Code 1681e ( b ), which states bureaus must assure maximum possible accuracy of the information in a report, I requested validation of these account due to inconsistency in account information amongst the reports. Which was not validated, resulting in the removal and further confirmation that the furnisher understood the FCRA violation. Also, under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S. Code 1681s2 ) both the bureaus and the creditors have an obligation to report disputes accurately. That was not done in this case resulting in another violation of FCRA and showing the companies lack of due diligence in credit reporting.
Product: Mortgage

Dear Sir/Madaam : I have a USDA loan, 30 yr. fixed 5.5 % interest rate. I begin trying to get assistance from my mortgage servicer, Carrington Mortgage, in XXXX, XXXX. I made all mortgage payments up through XX/XX/XXXX even after being unemployed. This company has admitted on several occasions that they have a high volume of cases and that should not be at the expense of the consumer. To force me into Bankruptcy after I am more than capable of making my mortgage payments is unacceptable. I am attaching a list of all information that was requested by Carrington over the course of 10 months. Each request was due to a conversation that precluded from another request for documentation from Carrington and/or another cancellation of my request, forcing me to apply again. There are so many dates to this process that I actually have a huge box full of documents that are mostly requesting the same information over and over again. The RMA documents ( applications and re-applications ) were sent in XXXX, XXXX, XXXX, XXXX and now again, XXXX - because they denied me in less than 30 days from the last letter I received this month stating that I had 45 days for their decisioning. They told me today, that my request was just denied today for not providing a statement regarding my income from my temporary agency from XX/XX/XXXX through XX/XX/XXXX. I even mailed them two payments back in the fall of XXXX, only for them to return it as they stated that it wasn't enough to cover the outstanding amount ( that would have brought us within a couple of months outstanding along with the excess in the account ). Today they also emailed me a letter that I never received and it has this request as the last bullet but is dated XX/XX/XXXX. I have spoken with several representatives and have received what we thought would be satisfying information from two. I followed both their instructions, submitted documentation timely and was never asked to provide an explanation of my temp agency until today after " I feel '' that it was generated today while being placed on hold. They never asked about this income from XXXX until today. I have been told in the past that I was denied for the following reasons which resulted in my reapplication : documentation was not received, documentation was not received timely, I didn't make enough money even with my temp job and my spouse 's income and XXXX, that I would never be able to catch up, you're being cancelled because you can not be reached and your explanation of income with Talent has not been provided. I have a letter from them stating that they will be moving forward with foreclosure beginning next month. 

I want to complain and will be filing this with other entities as appropriate because this company needs to be investigated for its practices. I'm sure that I am not the only borrower who is experiencing this issue. I have been emailing, faxing and/or uploading documents to them since last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report with XXXX XXXX. It was in default and is negatively affecting my credit score. It has been paid in full. The item has been on my credit report for more than 7 years, and should be deleted. I took this up with both Experian and XXXX XXXX, to no avail.