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

I opened a Citigold checking account with Citi on XXXX/XXXX/XXXX due to receiving a promotional flyer offering XXXX XXXX XXXX AAdvantage miles using promotional code " XXXX '' if I met the following conditions : " Within 60 days of account opening, complete these everyday banking activities : - XXXX qualifying bill payment for 2 consecutive months - Spend {$1000.00} in purchases using your Citibank Debit Card '' I applied for the account and was approved, whereupon I met the requirements on XXXX/XXXX/XXXX. I confirmed that I met all requirements via Citi SecureMessage ( CSM ) on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I contacted CSM to confirm I would be receiving my miles this month. I received a response from CSM on XXXX/XXXX/XXXX stating the miles were posted to my account on XXXX/XXXX/XXXX. I replied back stating I did not receive the miles and received a CSM on XXXX/XXXX/XXXX stating a research case had been opened. I contacted CSM on XXXX/XXXX/XXXX to see the status of the research case. I received a CSM the same day stating that the research case had been completed and " We confirmed you qualify to receive the XXXX AAdvantage miles ''. 

I also received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : " Your account does qualify for Promotion XXXX, which offered XXXX XXXX Miles. Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account, however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. '' I did not wish to continue sending CSM to just provide my AAdvantage account number ( which I provided upon application ), so I called on XXXX/XXXX/XXXX to provide this information. I was told the information was submitted and I would hear back from Citi. I then received an e-communication : Title : Our Research Results Date : XXXX/XXXX/XXXX Message : " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 
Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I spoke at length ( XXXX minutes on XXXX/XXXX/XXXX, XXXX minutes on XXXX/XXXX/XXXX ) on the phone to Citigold representatives, who stated it was indicated in the account I was not eligible for the promotion. I confirmed multiple times via CSM and am now being denied my XXXX AAdvantage miles, despite meeting all requirements and receiving a promotional flyer regarding this. It would be imprudent for Citi to believe I should keep that flyer for XXXX months to prove eligibility, especially since I verified multiple times I was eligible.
Product: Credit reporting or other personal consumer reports

This is my second time trying to fix this issue, I was asked to verify my identity to here I am now doing as I was asked, this seems to me like Im being stalled so illegal information can stay on my credit & that will not happen remove these items immediately XXXX for the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account number is XXXX, XXXXXXXX XXXX XXXX XXXX I have added my state drivers license as well as my first identity theft affidavit.
Product: Credit card or prepaid card

In accordance with the XXXX XXXX  Account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer came into XXXX XXXX XXXX XXXX XXXX XXXX XXXX for guidance on the accounts showing on his credit report. XXXX XXXX XXXX XXXX XXXX has a F rating and is not accredited. On XXXX page now states they are XXXX XXXX Bank, which recently changed its name to XXXX XXXX Bank, XXXX, partners with Self Financial assistance being offered to bring you the Self XXXX XXXX XXXX and certain XXXX XXXX XXXX. XXXX XXXX, XXXX ( CD account summary as of XX/XX/XXXX copied from last statement from XXXX account # XXXX Maturity date XX/XX/XXXX CD balance {$520.00} CD interest XXXX XXXX XXXX Questions? Comments? You can email us at XXXX or call us at ( XXXX ) XXXX. Customer has not seen any improvement in his credit score 3. SELFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MON SECURED LOAN FIXED RATE The above information is how it shows on the credit report that I pulled on XX/XX/XXXX through XXXX Instant Merge Soft Touch Report. Since then, the client has closed the account. However, he has been counseling with us, to pursue homeownership. The damage from this account can stop the client from pursuing mortgage options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got an updated copy of my credit report and there are some hard inquiries that I dont recognize. 

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

This is my SEVERAL endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my account with Wells Fargo on XXXX XXXX XXXXXXXX, CA XXXX on XX/XX/XXXX. On XXXX XXXX I deposited a check which had a hold until XXXX XXXX. On XX/XX/XXXX the hold was cleared and the amount was released into my account. Wells Farge reinstituted the Hold between the XXXX XXXX. They never contacted me to inform me of this action. They also put a hold on my entire account and brought the account negative. I had no access to my money : I could not purchase anything : food, gas, etc. Wells Fargo claimed that the problem was with XXXX not honoring the check. I went to XXXX  only to find out they had paid the check to Wells and Wells had improperly filed it. Wells still refused to release my funds. They stated that no payments would be returned until this was sorted. On the XXXX, They sent back over 10 items unpaid. The branch manager attempted to blame this on me because I used a mobile deposit. I had asked a teller previously about in-person vs mobile deposits and was told that there was no difference. I still do not have any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are all in violation of FCRA 623 ( A ) ( 3 ) Duty to provide notice of dispute.

These accounts can no longer report as they are in violation of federal law. Transunion has continued to violate federal law by reporting these account after being notified of the violations. These accounts were disputed on XX/XX/XXXX which I will provide proof of. 

15 USC 1681s2 Duty of furnishers of information to provide accurate information. 
15 USC 1681E ( b ) accuracy of report. 

XXXX XXXX/ XXXX XXXX ACCT NUMBER agreed to remove the account but it has yet to come off my credit report. I have sent in countless disputes showing the proof of the creditor agreeing to delete the account. Attached document of deletion request will be provided. 

XXXX XXXX  second violation date last active being different on every bureau. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX  third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX XXXX second violation is the date last active XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. They must report the same on all three bureaus. 

XXXX XXXX Third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX  XXXX second violation is the date last active is reporting differently than the other two bureaus. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX  XXXX third violation is the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX second violation is the date last active. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX third violation is from the payment history not being reported whatsoever. Theres no payment history at all. 

XXXX XXXX XXXX second violation comes from the date last active which reports differently on all three bureaus. XX/XX/XXXX on transunion XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. 

XXXX XXXX  third violation is the payment history not being reported whatsoever. Theres no payment history at all.
Product: Credit reporting or other personal consumer reports

My car was repossessed in the XXXX XXXX XXXX  but recovered the same day. I had no idea this was reflected on my credit report! 
The company did NOT alert me as to the disclosure of such information on my credit report.

I can legally ask the the removal of the repossession and late fee 's from this account according to 15 USC 1666B ( a ). A creditor may not treat a payment account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX, via recurring scheduled transactions through my credit union 's online bill pay service, a check for {$210.00} was sent to Upstart utilizing the information known to me at the time ( which is the same information used for the last 2 years on the loan ). On XXXX XXXX, I received a payment reminder for this loan. This was not unusual. On XXXX XXXX, I received notification that Upstart had not received the payment. Upon further investigation, the payment information was changed without notification by Upstart, causing the original check issued by my credit union 's bill pay service to be lost. I received no letters or emails indicating a servicing change. 

Repeated phone calls amounted to " It doesn't matter. Get us the check, or we'll start charging late fees and report it to the credit bureau. '' The email they sent me tells me that they do not have to give me notice of address change. 

At this time, Upstart is threatening late charges as a result of this and refusing to work with me to correct the situation. 

Upstart has violated section 13 of their promissory note : Upstart will also give me notice if I pay by check and the transfer changes the address to which I must make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian regarding an account that is not mine and it has been more than 60 days and not response what so ever. Experian disregarded the law by not responding to consumers disputes.
Product: Credit card or prepaid card

I owe nothing to Wellsfargo as I sent them payment to cover my complete balance and in turn they froze my account and after reaching their offices on the second occasion today XX/XX/11 a representative said I needed to speak to key services and it will take 10 business days to get someone from that department, when I had already called on the XXXX. When I expressed my dissatisfaction of how I cant even use my credit card and maybe the news can help me to expose their unbelievable practices she even responded I was overreacting seriously! I feel that they are profiling me as to how I can pay my card off! Just like that. Discrimination is the word. Well this to me is unheard of and instead of treating me like a great customer Im getting treated like a criminal unworthy of credit after my payment. I paid off the account because Id rather pay with a credit card for security purposes and insurance. 

I think I shouldve gotten someone immediately to handle my situation and not be put through this aggravation.
Product: Payday loan, title loan, or personal loan

Well when were staying in XXXX MO. I took out a title loan to help me pay bills, and I feel that the company Mid America title loan was taken advantage of those who are struggling to pay bills. They have a high interest rate of 680 % which means that they were getting triple the amount of the loan that you applied for and I figured that it was wrong at the time and i needed someone to really look into it to see why the interest rate is so high and had those that are poor and barely making it paying a high interest rate in order to get the car title back. XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Credit Report Charge-Off, Payment Verification, and Inquiry Removal I am writing to formally dispute inaccurate information in my credit report regarding the charge-off on my XXXX XXXX  and the payment history for my mortgage. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, I am entitled to request and receive documentation that substantiates the accuracy of information reported on my credit file. 

XXXX XXXX  Charge-Off : Account Number : XXXX Charged-Off Amount : Paid in Full via Bill of Exchange. 
I am disputing this charge-off and request that you provide me with the original documentation that verifies the validity of this account, including payment history. I have attached evidence of payments made towards this account that may not be reflected in your records. 

Mortgage Account : Account Number : XXXX Current Payment Status : Sent Payoff Furthermore, I request that my payment history for this mortgage account be accurately reflected on my credit report. Consistent and timely payments have been made, and it is essential that this information is correctly displayed. 

Removal of Inquiries : I also request the removal of any inquiries related to non-holding accounts from my credit report. These inquiries are impacting my credit score negatively and should not be included. 

In accordance with my rights under the FCRA, I expect a thorough investigation into these matters, as well as an update to my credit report reflecting accurate information and the removal of the specified inquiries. Please provide confirmation of the receipt of this letter and keep me informed about the progress of my dispute. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attorney in fact for Estate of XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.
Product: Mortgage

Hi everyone. I have attempted to pay my monthly 3 times in XXXX. The payment has not gone through. I called XXXX at Mr Cooper to fix the issue and she replied that my payment was returned due to insufficient funds. The account still has XXXX $ in it and my payment is XXXX $? I suspect some sort of tampering going on. Can somebody call Mr Cooper and investigate why after 11 years I am suddenly unable to pay my mosttgage? Thanks XXXX Oh, my loan number is XXXX MR COOPER contact number is XXXX XXXX ask for XXXX. She says I had insufficient funds. This is incorrect and the money was attempted from the correct account. THEY ARE NOT PROCESSING MY PAYMENT. They are being deceptive about something, by telling me I had INSUFFICIENT FUNDS.
Product: Mortgage

Pulte Mortgage has taken more than 2 months and still has not finalized our application and gotten an answer from the underwriter. They constantly loose the personal financial information they request and get from us. They have missed scheduled phone meetings [ resulting in replacing the person we were working with ]. Constant delays and broken promises about specific self imposed deadlines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested in investigation into the inaccurate information being reported on my credit report from a creditor XXXX XXXX. I submitted a request to have the information validated and verified to the XXXX  and Transunion XX/XX/XXXX and XX/XX/XXXX. Both XXXX and Transunion failed to properly investigate and provide me with information regarding their findings. 

XXXX is reporting varying information to both creditors. ( Please see attached documentation of the information they have provided ) they are reporting date account opened to be XX/XX/XXXX with Transunion and XX/XX/XXXX with XXXX. Although I have requested this information be investigated on numerous occasions the status of the last date updated with XXXX  was XX/XX/XXXX. XXXX failed to investigate an or provide me with any information regarding their investigation or findings, yet updated my account on XX/XX/XXXX As of now, I have not received a reply from either data furnisher regarding acknowledgment that an investigation has begun. However, I did manage to pull my credit report and found that the accounts listed above, have not been investigated. XXXX  is showing an account status of XXXX I requested a verification of debt from the original creditor on XX/XX/XXXX requesting that they substantiate the validity of the debt under my right to Fair Debt Practices act to which they have failed to reply with any information to verify the debt owed to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Is it that har for the Credit Bureaus to do their investigation and verify the information the report on my Credit File? The Credit Bureaus had become negligent of their duty and kept ignoring the letters I have been sending to them. The most recent letter I send to the Credit Bureuas was lsat XX/XX/2022, was already my sixth attempt to reach out to the Credit Bureaus, emphasizing the importance of the FCRA section 605b ( c ) ( 1 ) ( c ) Athority to Decline and Rescind. Once again, I have been a victim of Identity Theft and the Items I am disputing does not relate to any transction that I have made or Authorized, therefore, the Credit Bureaus have no right to decline my requests for the removal of the disputed items from my Credit report. If the Credit reporting insist that the items belong to me, I will require all documentation that bears my signature to prove that the alleged items are mine. The Credit Bureaus became lazy and did not comply with the FCRA regulation, thus their action have done negative impact on my Credit report. I have been submitting complaints regarding this matter and I am disputing the fraudulent items once again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXS XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$35000.00} XXXX  XXXX XXXX Balance Owed : {$2600.00}