23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Citibank credit card to rent a truck from XXXX in the amount of {$2300.00}. XXXX contacted me a couple of days later to inform me that my card had been declined multiple times due to an authorization issue ; so I decided to use my debit card to make the purchase instead. In XXXX, Citibank informed me that they closed my account, so naturally I thought nothing about the charge that never went through. On XX/XX/XXXX, I received an email from Citibank informing me that they authorized the purchase with XXXX for the amount of {$2300.00}. 

I then call Citibank immediately and told them I paid that amount using my debit card because it had been declined by them so many times and then closed my account. I then proceeded to forward my bank statement to them to show proof that I used other means to pay XXXX. 

Since XXXX, Citibank has been telling me that the charges would be reversed, and will reflect on the following months statement, and each month it isn't being resolved. When I receive my statement each month, that amount I'm disputing is still reflected on my account. I've been transferred from person to person for 3 months, with no resolution. 

I even called to find out what my true balance was so I could make my balance XXXX and be done with this. I was told to just subtract {$2300.00} from the current balance, and that's what I owe them ; not taking into account that I'm being charged interest on money I never used. They keep giving me the run around and keep telling me they can't give me more information about my account because it's now closed. 

I received my new statement on XXXX XX/XX/XXXX and the amount is still on my account. Prior to receiving this statement, I spoke to a dispute specialist, who then transferred me to another department and provided me with a direct number to that department. At that time he said, they can't do anything with my account at that level it needed to be handle by someone higher then that department. 

When I called Citibank today ( XXXX XXXX ), I called the direct number given to me a week ago, since the specialist told me this was the department who has the authorization to resolve this issue. This person ( the person I spoke to with the elevated status ) told me the correction will be on my XXXX 's statement. When it wasn't I called the direct number again today ( XXXX XXXX ), I was once again transferred back to the dispute specialist, this is the same sector that from what they told me, could not fix this at that level and my case had to be elevated. 

Now I'm at the point where the two sectors keep taking my back and forth between the two, with nothing being resolved. 
Citibank has admitted to me a number of times that the balance is incorrect, but no one seems to be able or willing to right the wrong.
Product: Student loan

I worked diligently to make 12 monthly on-time consecutive payments ahead of applying for cosigner release. Navient denied my application stating that I had not made the necessary on-time consecutive payments when in fact, a look at my statement clearly shows the payments were made as required. A representative for Navient tried to tell me it was due to how I made my payments ( I have my payment go from my bank to Navient in XXXX installments each month, both completed before the due date ). They further claimed that a couple of my payments were less than required. At this I asked if it was the case, then whey did I not received a late notice or fee. I shared with representative I spoke with that the payments were smaller in the cited months because the interest rate was lower. Still I received no acknowledgement that the payments were on time. 
Further, in my communication with Navient, they said they had only looked at one criteria for the denial and had not even looked at others such as credit score, etc. yet. My question is if there is an application submitted, why not weigh it against all criteria at once. Why tell me no, then if I get over that hurdle, tell me no again for another reason. Navient painted a rosy picture misleading me that the cosigner could be released, but instead have put up tons of roadblocks. Clearly, Navient has no intention of releasing the cosigner and will continue putting roadblocks to prevent this from becoming reality. 
Morever, there was a time when I was experiencing hardship and called Navient to ask that they reduce my payments. I indicated that I could pay {$50.00} a month. Navient steered me into deferrement ultimately increasing the overall cost of my loans. I 'm not in the business of quoting Donald Trump, but " These are some very bad people ... '' Even today, my loans are strangling me. I do n't even bother to call anymore, I just pay and sacrifice the rest of my life. Another quote " Sad! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX Opened XX/XX/2017 Balance {$360000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX , XXXX . XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX Dear Sir or Madam : As of XX/XX/XXXX it is still displayed on all three of my credit report files, TransUnion, XXXX & XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX Account number XXXX with a balance of {$1200.00} is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit card or prepaid card

I did n't received my statement this month in the mail Notdstrom charged me late fee and refuse to take back the late fee After I explained to the representative that the mail man in my community make this mistake And sometimes put my mail in some body 's box and someone else 's in my box and k madd numerous complaint to the post office and to this day I have no way of fixing the issues So I do n't think it 's fair for me to be punished this way
Product: Credit reporting or other personal consumer reports

I am sending a complaint regarding inaccurate accounts on my credit report that was still reported and I am seeking for your assistance in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate account is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00}.
Product: Credit card or prepaid card

XX/XX/XXXX I make a call for a solution to talk to a person in the hardship department at XXXXXXXX.I get transferred to an unprofessional female  is pushy to get me to make a payment when I already made a payment for the month and she doesn't even ask how can I help you at the beginning call. I complain that I get two types of interest fees and having trouble paying off the card. She begins to laugh as I complain and doens't fully listen to solve the issue woman that acts completely unprofessional over the phone and we start to argue because I asked to speak to someone who can help with financial harships. I end up hanging up the phone with no real help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report and noticed the following accounts reporting balances and utilization inaccurately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish utilization on my consumer report? 

Did I give you written instructions to furnish a balance on my consumer report? 

you have 10 calendar days to Update all balances to Zero on all below accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment in question was made before the due date. I have attached the relevant bank statements and payment confirmation as evidence that the payment was processed on time.

Account Refinanced : The account had already been refinanced, and the late payment should not have been reported. I request that the refinance status be reflected properly in the records. This was an oversight, and I ask for this error to be corrected. 
Clerical Error : It appears that there may have been a clerical error in reporting the payment. This is evidenced by the discrepancy in the payment records, and I request a thorough review to correct this inaccuracy.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates of problem : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I placed a credit freeze at all three credit bureaus after my information was compromised during the theft of XXXX XXXX  and military service member data several years ago, Recently, in a transaction with my bank, the bank needed to pull my Experian credit report. I went to experian.com/freeze and requested the freeze be temporarily lifted. The system displayed a message that my session had expired and directed me to return to the login page. I did so and reentered the information again. Then I received an error message that said that a request to unfreeze my credit report was already submitted. However, when my bank tried to pull the credit report, they received an error that it was still frozen. 

I have tried this several times, without success. Finally, I tried to contact Experian to speak to a customer service representative to resolve. However, there is no method to speak to a person. I was sent through a number of menus to finally arrive at a recorded message to direct me to submit information in writing. So, that is what I am resolved to doing. 

Experian needs to fix their online freeze/unfreeze system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Tuesday, XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Notice of Dispute Regarding Inaccurate Information on Consumer Reports Dear Sir/Madam, I am writing to dispute certain information contained in my consumer reports, as furnished by Equifax Information Services LLC XXXX XXXX XXXX XXXX and XXXX. I believe that the information on my reports is inaccurate and is negatively impacting my creditworthiness. This letter serves as a formal notice of dispute and a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
I have enclosed copies of my consumer reports from each of the aforementioned credit reporting agencies for your reference. The inaccuracies I wish to dispute are attached addressing each CRA I hereby request that Equifax, XXXX, and XXXX conduct a thorough investigation into the disputed information. As per the FCRA, I expect a reasonable investigation to be carried out, with a response provided to me within 30 days of receipt of this letter. I kindly request that all three credit reporting agencies work together to ensure the accuracy of my consumer reports. 
Additionally, I request that Equifax, XXXX, and XXXX provide me with written notifications of the investigation results and any corrections made to my consumer reports. If any changes are made, I further request that updated and accurate consumer reports be furnished to me without delay. 
In accordance with my rights under the FCRA, I also request that Equifax, XXXX, and XXXX provide me with free copies of my consumer reports within 15 days of the completion of the investigation, if changes are made. 
Furthermore, I request that all three credit reporting agencies implement reasonable procedures to prevent the re-reporting of the disputed information in the future. 
Please note that this dispute pertains solely to the inaccurate information described above. I am not disputing any other information contained in my consumer reports at this time. 
I appreciate your attention to this matter and your adherence to the provisions of the FCRA. Please provide me with written confirmation of receipt of this notice within 10 days of receipt. I trust that Equifax, XXXX, and XXXX will handle this dispute and investigation with the utmost professionalism and resolve it in a timely manner. 
Thank you for your prompt assistance in resolving this dispute. 
Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN continues to break the law ; and not follow proper prodegal or procedures, according to ConsumeXXXX law : As a victim of identity theft. Information is to be deleted for this following information according to FCRA 605B 15 USC 1681 in four days. This information is still on my report. I will have to get an attorney involved at this point.
Product: Student loan

I paid off the remaining balance on my loan on XX/XX/2019 and cancelled my enrollment in autopayment ( which has been going on for years ). NAVIENT processes a payment on XX/XX/2019 for {$270.00} even though the loan balance was zero and the autopayment shows up in the website as stopped. They said it was already scheduled. They then said it would take 30-45 days to refund the over-payment. This is a scam. Everything is run by computers and I checked the balance on XX/XX/2019 and it showed zero and said the load was paid-off, also showed autopayment was cancelled. 
I then told the agent on the phone that they should pay me back interest at the 5.125 % that they charge me to hold my funds. 
Again this is a scam by a large company and the most complained about financial institution in the USA, probably the world. 
If they can withdraw funds from my bank in a single day, then there is not reason why they should not be able to retunr the funds in a single day.
Product: Credit reporting or other personal consumer reports

I am working on my credit to purchase a home. I have brought my credit score up to XXXX so far. I monitor my credit report on a daily basis. I have not applied for anything in almost a year and opt out for offers etc. I woke up tonight XX/XX/29 @ XXXX and my score dropped XXXX but nothing changed on my report and all accounts have already updated for the month. My next account update should be around the XXXX of XXXX. I pulled my report to see what changes were made but there is none and EQUIFAX has been changing scores and waiting pass 45 days sometimes before updating. When a score drops almost XXXX pts, something should indicate why but nothing changed on my report as of XX/XX/29. Its bad enough I have duplicate inquiries and inquiries I didnt made with XXXX XXXX a company I had for years and had to deal with inaccuracies of those inquiries and score changes and being black balled on their site from reporting disputes but NOW THIS!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XX/XX/XXXXXX/XX/XXXX -XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXX-Date of inquiry XX/XX/2020 XXXX XXXX of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

There is a bankruptcy on my credit report that should not be.