23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

For 32 years we were a loyal, dedicated, exclusive customer for American Express. We paid them about {$100000.00} per year on average ( sometimes way more ). We used their Rewards Program sparingly, and only when absolutely necessary ( for example to pay for a last minute critical airfare ). According to them, XX/XX/2015 they revised the Rewards program we participated in. According to them we were notified multiple times via mail. Nobody here recalls seeing anything. The new revised program required us " opting in '' to maintain our point balance of XXXX. The fee was going from {$110.00} per year to {$170.00}, which for us would be no problem. According to them, by not " opting in '' we reverted to a non-reward program at {$95.00} per year but would lose all accumulated reward points. As I said, we never knew anything was taking place. A new card came at that time, but it was a chip bearing card and we assumed it to be just the chip making it necessary to send out. Last weekend, we found out by accident ( trying to book hotel rooms ) that " there were no points any more ''. They had cancelled and taken 32 years of accumulated reward points, XXXX in all. In my words, they STOLE the rewards points. I find this HIGHLY unethical, mean spirited to a long time loyal customer, and bad business practice as they refused to reconstruct the program to what it was, even at maybe a nominal cost to me ( for missing something I NEVER saw ). So that 's how American Express treats it 's great long time customers. Let 's let everyone know. This looks like a nice plan to get rid of as many open Rewards points as possible without honoring their intent. Great management decision.
Product: Checking or savings account

On XXXX XXXX I bought a XXXX XXXX XXXX XXXX called XXXX XXXX Package in which I was entitled to weekly training webinars, XXXX assigned mentor for support, assistance and review for financing on qualified deals, offers and contracts before submission, XXXX XXXX to work deals for 2 days, Access for XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX told me I will get all of this as soon as I pay for the package. So on XXXX XXXX I paid with my debit card from Citibank the amount of XXXX and on XXXX XXXX I paid the amount of XXXX. On XXXX XXXX I call Citibank to dispute these transactions because on XXXX XXXX I called XXXX XXXX and makes my complaint about not getting all the things that were in the contract I signed they told me I have to wait for they to check if I qualify to get my money back. So this is the reason I dispute these transactions with Citibank to help me to get my money back. Then Citibank sent me a letter asking me for the days of the transactions and the amounts and explanation of what happened. They never ask me to send any paperwork, I did what they asked me for following the protocol but on XXXX XXXX they sent me letters saying that they werent able to resolve the dispute because of lack of information. I called them and sent them email letting them know they never asked me for any paperwork to proof or show the fraud so they reopen the disputes but till now they never answered me back. On XXXX XXXX I sent by a fax all the paperwork asked me from these transactions and I didnt get any answer back so on XXXX XXXX I sent a mail to Citibank with all the paperwork they asked me but till now I dont get any response. I think I acted as fast as I could to dispute these transactions but Citibank didnt support me. This XXXX XXXX  had a court accin that the FTC of USA opened against them around XXXX XXXX after that on XXXX XXXX The court by the petition of the FTC cancelled everything XXXX XXXX XXXX were doing because of the fact of using students selling classes package that they never give to them properly according to their contracts. Im in New York and I know there were many students from different states of USA that were affected by XXXX XXXX XXXX but I know many of them were helped by their banks to get their money back. My complaint is against Citibank because they didnt give me enough support to get my money back and till know every time I called them they kept me in the phone for hours with no explanations about my disputes. I know they been helping students that did their transactions on XXXX and XXXX but I feel that they denied their help to me. I have all the paperwork that I sent to Citibank if you guys need it to help me Thanks so much Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, continue to not provided me with the proof as I have requested multiple times. I have requested from Experian proof that I was later for my XXXX for XXXX XXXX XXXX account. Experian continue to provide me with the proof that I was late for XXXX. Experian has violated the Fair Credit Reporting Act by not providing me with the proof I have requested multiple times with this subterfuge and inaccurate information for XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report with reference number XXXX. Here is the list of items which were opened without my permission : XXXX : XXXX XX/XX/2023 -- -- -- -- XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CXXXX REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory marks PUBLIC RECORDS Credit Factor Account Info Reported on XX/XX/2019 XXXX/XXXX  CHXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Equifax ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner. 
Please review the Inaccurate Information being report :
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by XXXX. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payment Listed : XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XX/XX/XXXX ( 30 days ) Date opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX : Account Number : XXXX Late Payments Listed : XXXX XXXX ( 30 days ), XX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated information.
Product: Vehicle loan or lease

The state of XXXX  has a CAP on interest rates when it comes to lending and it was brought to my attention the cap on interest rates to prevent usury was 16 % in XXXX. 
The law has changed and its even lower now. I want an adjustment to my loan and due to usury violations which is a misdemeanor Im entitled to twice what I paid. I want a full adjustment and the balance corrected at all 3 credit agencies. I have 3 years from the time of my last payment to bring a usury claim and Im within the window to execute these claims. Additionally since Santander has an arbitration clause I demand they initiate arbitration with the XXXX XXXX XXXX.
Product: Checking or savings account

There were international unauthorized transfer 4 transactions with in two days for total amount {$190000.00}. 
1 ) The bank didn't alert me when the transaction was processed.

2 ) After I found out, I filed the claim, but I believe they didn't take it seriously, they said they can not do anything about it and recommended me to contact the beneficiary. 

" JPMorgan Chase has made several attempts to recall the funds on your behalf but unfortunately they have been unsuccessful. We recommend that you contact the beneficiary and attempt to settle the matter directly. '' I don't know who the beneficiary is, I don't know how they expect me to contact them. 

the money transferred to XXXX XXXX, XXXX XXXX XXXX.
Product: Credit card

Called Care Credit because my application ( Account XXXX ) and credit line of {$6500.00} was approved and confirmed although I received letter from Synchrony Bank stating they were unable to assign the credit amount requested. 

I spoke to agent, XXXX on XX/XX/year> @ XXXX regarding the letter dated XX/XX/year> XXXX. XXXX confirmed that my account was created and a card has been issued as of today, XX/XX/year> to my confirmed address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, husband and wife applied for a joint mortgage with XXXX/XXXX. In XX/XX/XXXX, according to divorce decree, wife was awarded home and a quit claim deed was filed to transfer ownership solely to ex-wife. Per the decree, ex-wife refinanced loan in her name only. Loan was modified from joint to individual. In XX/XX/XXXX, XXXX took over loan and reversed loan from individual to joint loan again. I have been trying to resolve this issue since XX/XX/XXXX after reviewing XXXX XXXX. So far, I have contacted Equifax and XXXX to no avail. XXXX confirmed that the quit claim was signed in XX/XX/XXXX. However, the mortgage is still showing on my credit report. Also, my name is spelled incorrectly with Equifax.
Product: Credit card or prepaid card

I purchased an XXXX gift card from a local XXXX store on XX/XX/22 at XXXX using the Capitone credit car, in the amount of {$100.00}. I was not able to redeem the amount after I got home as the XXXX gift card system stated the gift card was already redeemed. After speaking with XXXX they advised the gift card was redeemed at XXXX, which was before my purchase was made. I went back to XXXX store manager, who refused to issue the refund due to XXXX gift card policy, however, he did mention that another customer had the same issue. XXXX customer service advised they flagged the account that redeemed the gift card, but not able to release account information to me because of privacy issue. 

I filed the transaction dispute with Capital One. Capital One requested a copy of the purchase receipt, which I provided via fax. Capital One also requests proof of contact with XXXX, such as email. I explained that this is purchased in the store, where I spoke with the store manager in person, there is no written contract with the store. Capital One refused to issue chargeback to XXXX due to my lack of proof of dispute. 

I hereby to request Capital One to contact either XXXX or XXXX to get this issue resolved
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used my Estate SSN to obtain credits on my behalf. Violating the CFRs and XXXX. For the some of {$83000.00} Not only did the Agreement lack full disclosure. I never received the check in my hand to pay off the dealership on behalf of my signature which created the credits. I took action and corrected the record with the IRS on 1099s. As well as endorsing the full contract paid to the order of the U.S. treasury to be redeemed in Lawful Money per 12 USC 411. I have a cancellation of debt 1099c in hand, and the company refuses to release my title. Or to report it to the Credit Reporting Agencies to have the improper reporting removed from my credit history.
Product: Credit card or prepaid card

I recently conducted a balance transfer to my new citibank card from XXXX in the amount of XXXX. Since this maxed out my citibank card, it significantly lowered my fico score from XXXX to XXXX. I was floored so I decided to just pay off the citicard in it's entirety to restore my fico score. That apparently did not sit well with Citibank so they took my {$12000.00} plus another {$300.00} balance transfer fee totaling {$12000.00} payment on XX/XX/2020, but will not apply it until XX/XX/2020. The excuse they gave me was that my account was too new so they put a hold on the payment and my money. That's {$12000.00} of my money out of my checking account where I have no access to it and it's hasn't been applied to pay my balance! I should not be punished for deciding to pay off my credit card early. I have reached citibank representatives two times but they refused to provide a satisfactory solution. They also refused to provide the phone number of the citibank executive office so I could submit a complaint. Lastly, I feel that I received disparate treatment because of my XXXX surname since I was given a lower than normal credit limit. I also questioned this, but they said that they could not help until after 6 months. I am very disappointed with the way I've been treated by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and Equifax is reporting incorrect addresses on my report that does not belong to me. The following addresses does not belong to me and needs to be removed immediately XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX XXXX XXXX XXXX XXXX GA, XXXX
Product: Debt collection

I signed up to get my XXXX XXXX at XXXX XXXX XXXX. They took pictures of my teeth and sent me a box of retainers in the mail. I was told not to worry if they dont fit because the doctor will size them for me and trim if needed. 

From the third pair of retainers on, my gums were cut by the retainers. I assume they needed sizing. That is when I found out that XXXX XXXX XXXX had gone into bankruptcy and closed down. I reached out to them and was told they had no one to see me, but would let me know when. During this time. I continued to be charged monthly and am still being charged monthly for the retainers. I disputed the charges then received a letter from Healthcare Finance Direct ( HFD ) XXXX XXXX XXXX that threatened me that if I did not pay, I would be sent to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

As part of a Chapter XXXX filing on XX/XX/XXXX XXXX mortgage was a creditor discharged. I discovered that XXXX had reported credit activity after having been discharged. The activity was reported to and published by Equifax. Although the creditor was discharged over 7 years ago and there was no reaffirmation agreement, Equifax chose to publish the information. Upon notifying Equifax of their reporting violation, they acknowledged knowing the Chapter XXXX Bankruptcy date yet misapplied and misrepresented the reporting period for creditors discharged in Chapter XXXX. While I fully agree that the " record of bankruptcy '' will remain on my credit record for 10 years from the filing, the actual credit activity for the creditors themselves only remains for 7 years and NOT 10. The Equifax supervisor " XXXX '' in the Resolution Department stated that if XXXX reports the activity, Equifax would include it on my credit report. She refused to provide a work ID or last name and only identified herself as XXXX. The representative then repeatedly stated that all the activity in the bankruptcy would remain for 10 years which is false. I repeatedly stated to her that there was a difference between a record of a bankruptcy remaining on my consumer credit report for 10 years and the creditor and credit activity additionally remaining for 10 years. The activity of a creditor should actually be deleted after 7 years from occurrence or the Chapter XXXX date of filing, whichever occurred first. If there is credit activity on the account after the Chapter XXXX filing or discharge date, the activity should NOT be reported or published unless the debt is reaffirmed. Mine was not reaffirmed. Equifax has an obligation not to repeat the mistakes of creditors and additionally should not misinform consumers regarding the law. Their ignorance has caused me much duress and time in trying to resolve the matter. I am seeking a home modification and this is adversely affecting the process.
Product: Student loan

For context, I XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. I have called EdFinancial representatives on a monthly basis starting in XX/XX/2023 regarding my federal student loans payments. I applied for the REPAYE income driven repayment plan ( IDR ) plan in XX/XX/2023 and all my loans have been under the REPAYE IDR plan since XX/XX/2023. In XXXX, I applied to the new SAVE plan and I believe I was approved in XX/XX/2023. 

When I spoke to a representative in XX/XX/2023, I was told that given that I made an annual income of {$0.00} in the prior fiscal year, my loan payments for the following 12 months starting with the first payment in XX/XX/2023 should be {$0.00}. At that time, this representative obtained my information over the phone to manual re-apply for the SAVE plan given my income of {$0.00} in the previous fiscal year. This same representative also emphasized to me that the estimated payment based on my previous annual gross income should be {$0.00}. She informed me although my account showed that my first loan payment of {$300.00} was due on XX/XX/2023, she stated that this new application for the SAVE plan ( reflecting last year 's {$0.00} income ) would take 21 days to take effect and reflect on my account and that I would not have to worry about the payment due on XX/XX/2023. I patiently waited 21 days. However, now in this month of XXXX, I have a {$300.00} past due payment with no adjustments made to my account. On top of this, my next payment due on XX/XX/2023 appears to have increased to {$610.00}. 

Today on XX/XX/2023, I have called EdFinancial again to clarify my loan payments which are under the SAVE plan. Today, I was told over the phone that the application for SAVE that I completed with the representative on XX/XX/2023 was approved. When I tried to clarify why my current payments do not reflect last year 's income, I was told that my payments should reflect this year 's income. At this point, I am not quite sure if the representatives are intentionally deceiving borrowers to force borrowers to make payments that are higher than necessary OR if the representatives have a poor understanding of the various loan plans and payments. Either way, EdFinancial is engaging in unacceptable practices and is taking advantage of students who are new to loan payments and who do not have the financial means to seek second opinions.

Overall, my experience with EdFinancial has been terrible. Their representatives are constantly changing the information that they provide their consumers. I have been having the same issues for months and I have yet to speak to a representative who can address my questions clearly and accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank  and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to reps at the 3 major credit reporting agencies regarding my consumer file and the access I want them to have. Each one has told me they will NOT be removing the negative items I requested. I have sent notices via certified mail DEMANDING the changes be updated to no avail. Within the " fine print '' of all of these companies they state they will not furnish personal information without the consumers consent yet, they continue to do so. Per 15 USC 1681e ( b ) only I, the consumer, can verify what information should be on my consumer report. 

In light of the recent and ongoing lawsuits with these companies I DEMAND all requests be adhered to quickly and without continuous verbal assault from them. This is causing mental anguish and XXXX  due to how I am being perceived due to these negative items.