23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi closed a Citi XXXX account in good standing and without explanation. The account had earned XXXX XXXX XXXX  as of XX/XX/year>. Upon closure the points disappear from online access. Calling Citi XXXX for an explanation results in " No explanation '' only confirmation that the account has XXXX XXXX XXXX  available. The annual membership fee of {$95.00} had not been reimbursed, so I am still a member, at least on paper. 

It appears to be very self serving and unbalanced in favor of XXXX Citi : XXXX ) approve account opening XXXX ) approve every single transaction on the credit card XXXX ) collect swipe fees for every transaction executed XXXX ) charge annual fee of {$95.00} XXXX ) at the time of their choosing suddenly closes the account without notice and apparent reason XXXX ) confiscates the points legally earned with no explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX/2007 ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Product: Mortgage

Me had my husband recently separated because of finance issues.We applied for a mod in XXXX which we could not afford because my husband lost his job So of coarse they put us in forcloser in XXXX of XXXX I filed chapter XXXX because I did not know what else to do. So in XXXX of XXXX my attorney file a XXXX mod.through the bankruptcy courts. In XXXX XXXX Carrington once again denied it because they claimed they did n't get paperwork in time which my attorney had proof they did. So a medatior had to step in through the court so we all had an conference call meeting. Now the agreement that Carrington needing was for me to do a quick deed within 2 days because my husband is no longer in the home. So that was done. So a couple of months after that Carrington needed proof that my husband is paying child support. Ok even though that was not what was needed at the time I submit that. Ok another couple of months go by which now is XXXX XXXX, my attorney called on XXXX XXXX, XXXX and said that Carrington yet again denied the mod. this time do to the child support not being court order. I have done everything they have asked me to do and yet they keep making up rules as they go. I thought the XXXX was to help people like me. This is the only mortgage company I know that are so unwilling to help. If you would look at the reviews for this company you clearly see everyone is having some issue with them. I am wanting to save my home for my XXXX children and I am not trying to get out of paying that 's why I applied for the XXXX but there is something not right with this Company. The people that answer for them do n't never give the same answers. When I asked them about the XXXX in XXXX I was told by a rep. there saying they do n't participate in this program and neither does my investor with they say is XXXX, but when I pulled the list of mortgage companies that do Carrington and XXXX do participate in the program. I am not understanding. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries on my Experian credit report
Product: Student loan

Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.
Product: Vehicle loan or lease

My husband and I took out a car loan with GM Financial. Early this year, XX/XX/XXXX, we noticed that the company was not reporting our account information to the credit bureaus. They stated that they were " switching systems '' and could not report to the bureaus. I called several times over several months trying to find out when this situation would be corrected. The company, finally reported some information in late XX/XX/XXXX or early XX/XX/XXXX because I adamantly requested that they manually update the credit bureau. We thought that this issue was finally taken care of. However, we refinanced with another company at the beginning of XX/XX/XXXX. XX/XX/XXXX is the date that the account, with GM Financial, was paid off. They stated this would be reported on the next billing cycle, which would be XX/XX/XXXX. It was never reported. I have called numerous times in the last month to find out why this has not been reported and when it will be reported. I was told that this would be reported on XX/XX/XXXX. It is now XX/XX/XXXX, and GM Financial stated that they are again experiencing system issues. They are unable to report that our account with them is closed. My credit report still shows that I owe their company a little over {$12000.00}. GM Financial is unsure when they will have a solution to the " system issue '' that is not allowing them to report our closed account. My husband and I are unable to apply for a mortgage or look for another vehicle, because it shows that we are in way more debt than we are. The issues with this company have been ongoing for over 6 months. On top of these issues, the customer service was horribly rude and there was ZERO communication about the lack of reporting or issues that this company was having.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXX XXXX XXXX XXXXXX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX Credit card account holder # XXXX company name is XXXX XXXX Ring XXXX XXXX. 
I closed that account back in XX/XX/2018 .payment was mad by transferred the balance to another account. Right before the transaction done it was due date, then I paid {$100.00} to avoid late fee until the transferred done. 
I contacted that company more than six times requesting refund for my extra payment of {$100.00}. But never issued by the company. I called today again XX/XX/2018 i was unable to be lucky enough to resolve the refund but instate i was talking to a representative her name was XXXX XXXX she was fully disrespecting me or mu spouse over the phone. two times talking to their supervisors but no progross to get our refund of {$100.00} please help us my Phone number is XXXX
Product: Credit reporting or other personal consumer reports

Navient is completely covering up errors that representatives made providing misinformation that cause a negative hit on my credit report significantly impacting my credit score.

Completely inaccurate information. It was confirmed by a manager that it is documented and recorded that a representative from Navient advised me to MAIL in forms for consolidation and that they were sending me forms years ago and that was incorrect information. They have documented that they said they dont know why I was told that because there is no record of them mailing me forms but recorded and/or documented that they said that yet typo are acting like that was NEVER COMMUNICATED TO ME BY YOUR MANAGEMENT IN XXXX OF THIS YEAR. You are completely ignoring ALL the documented misinformation I received that was recorded and noted. You mention legal requirements but you are completely unethical if you are not even acknowledging what your own managers have acknowledged on a recorded line. You investigation is BIASED, INACCURATE, EXCLUDING PERTINENT INFORMATION THAT HOLDS YOUR REPRESENTATIVES LIABLE AND YOU REPEATEDLY BLATANTLY IGNORE IT. Your company represents the poorest of ethics and I conduct investigations and all findings should be included if relevant and ALL I HAVE SHARED HAS BEEN RELEVANT. This is an extremely poor representation of your department and this company as a whole. I completely believe you are intentionally creating hardship on people like myself and it is a gross representation of professional business practices! Extremely poor. Complete Misrepresentation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 4 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 n 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 n now im XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting or other personal consumer reports

I have contacting Equifax Mutiple times about these inquires on my consumer report and Equifax still has not fix the matter. It has been over XXXX XXXX months for XXXX fraudulent unauthorized inquiry,9 months for another fraudulent unauthorized inquiry, and 2 months for one last unauthorized inquiry. the inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have filled my 3rd ftc report regarding this matter I will be notifying the state 's general as well as the XXXX  of my experience with Equifax regarding this matter. These unauthorized inquires has caused pain to my life causing pain to the way I live. I did not want to send this compliant today but Equifax has left me with no other choice forcing me the consumer to contact the CFPB.I have copies of documents contacting the Equifax of this matter upon request I will provide.
Product: Credit card

On XX/XX/year>, I opened a chat with customer service where I requested to know first when my Amex Gold card renewal fee would be charged. This was answered as XX/XX/year>. I subsequently asked how much I would be charged, and the Amex representative answered {$250.00}. I was satisfied and carried on with life. 

Today, XX/XX/year>, I see that there is a {$320.00} renewal fee charge on my card. Despite showing Amex customer service evidence that I was promised a {$250.00} renewal, they were obstinate that they were unwilling to assist me. Furthermore, they claim that this {$320.00} renewal fee is irreversible. 

I am a PhD student and do not have much income to live on. I tried to be responsible and plan ahead in case I would need to cancel the card before the renewal. I was lied to and now I'm dealing with the financial repercussions, meanwhile Amex customer service is unapologetic about flat out lying to me.
Product: Credit reporting or other personal consumer reports

See attached copy of dispute package sent : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurate, I had two late payments on an account that I know for a fact I paid on time. The consumer reporting agency needs to report all information with complete accuracy. This account has not been late. I've attached a copy of my credit report to this complaint on the following dates of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate the account and update to these accounts to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

JCS Ref. No.- XXXX for XXXX XXXX XXXX XXXX XXXX. 
I closed this account with XXXX and paid the final closing bill but few months later they started sending me this bill for {$2500.00} which I do not owe them. I have called XXXX to stop and clear my account, but they gave to another collection agency with wrote them that I do not owe this money. 
And now after almost a year they gave it to another collection agency to harass me again. This needs to stop or I have to file a lawsuit. I am writing to XXXX again to stop and clear my account for good. 
Thanks! 
XXXX XXXX, XXXX
Product: Credit card or prepaid card

I had a prepaid card with Navy Federal. I placed about {$11000.00} or more on the card. I also had employment insurance just in case of job loss. 

Unfortunately, I did experience a job lost. I called and called Navy Federal in enact my employment insurance. I had paid on that insurance for months. 

They gave me for run around from one department to another. In the end, NO ONE helped me.

Even after they kept sending me late notices. I still called them to no respond to resolve the issue.

Now they are reporting FALSE information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. These accounts were added as a result of a data breach, and I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts be removed from my credit report immediately. 
Fraudulent Accounts 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
Product: Mortgage

XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to issue a security freeze on Equifax 's automated telephone system. The system is suffering outages and I could not issue the security freeze.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, including their internal file number ( XXXX ), Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 72 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXXXXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX {$3300.00} not mine XXXX XXXX XXXX XXXXXXXX XXXX. XXXX {$810.00} not mine XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$830.00} not mine XXXX   XXXX XXXX {$6800.00} not mine
Product: Checking or savings account

I received a bank statement in the mail on XX/XX/2021 from TD Bank for statement period of XX/XX/2021 to XX/XX/2021. The statement had information about how their overdraft fees work and an account summary of the checking account. I immediately called TD and reported this as a fraudulent account. The representative from TD 's XXXX department closed this XXXX account and the subsequent XXXX account.
Product: Money transfer, virtual currency, or money service

We wire-transferred US {$150000.00} on XX/XX/2019 from XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX NY to Wells Fargo Bank NY for payment to our affiliated company in New York. 

We subsequently found that the wire-transfer was a fraud as our affiliated company in New York does not maintain any account with Wells Fargo Bank NY. We therefore instructed XXXX XXXX XXXX ( NY ) to stop the wire-transfer on XX/XX/2019 and obtain refund. 

Wells Fargo responded on XXXX XX/XX/2019 that it had reported the matter to its Fraud Department, but was unable to refund because there were no funds available. XXXX XXXX XXXX XXXX XXXX XXXX sent another enquiry on XXXX XX/XX/2019 asking for more information. Wells Fargo further responded that payment of the subject international wire-transfer had been effected on XXXX XX/XX/2019 under its reference XXXX despite the name and account did not match. No funds remained and they closed file. 

We consider it the responsibility of Wells Fargo to match the name and account of the beneficiary before releasing the funds of the international wire-transfer. Wells Fargo is also responsible to refund the fraudulent payment to the remitter and to compensate the losses so incurred, because it had failed to act professionally to avoid paying the wrong party when handling international wire-transfer.
Product: Credit reporting

Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number XXXX ...
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, EXPERIAN consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, EXPERIAN 'S actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure EXPERIAN complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX