23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Sears Citibank Mastercard with Citi Thankyou Points as a rewards program for using the credit card. I have been unable to access my rewards points since XXXX to use them towards purchases at retailers such as XXXX and XXXX. In addition to the loss of access at retailers, the Citi Thankyou site does not allow me to log in to at least purchase a gift card with my points to use at a retailer. I have called both Sears Citibank Mastercard and Citi Thankyou Points and each time I waste at least one hour on the phone, only to have them blame each other for the issue. I have been calling about this issue since XXXX, with each call ending in frustration. Sears Citibank Mastercard has emailed me with bonus point offers that I activated, encouraging me to use their card for online purchases, which I did. The rewards have totaled XXXX points which is equal to {$270.00} that I have accumulated from XXXX through XXXX. I was able to speak with a US based supervisor on XX/XX/23 about the issue and she actually told be this is a Citi issue! When I pointed out that the credit card is a Citibank Mastercard issued by the company she works for there was an uncomfortable silence on the phone. I asked the representative to make a three-way call with a Citi Thankyou supervisor to help me at least log into the rewards site and she said that she would not do that because it is not allowed. I then explained that it seems highly unusual that the issuing bank will not assist the customer in resolving an issue with a rewards program that they offer to use their card. The analogy that I used was same church, different pew in that everything is under the Citi umbrella. Again, silence on the phone. I ended the call by explaining to the customer service representative that it is a bad business practice at best, if not an outright deceptive practice, to offer an incentive to charge on their card, which makes them money and then prevent me from accessing my rewards which carries a cash value. The Sears Citibank Mastercard site contained the points balance and a link to go to the Citi Rewards site prior to issuing new cards in XXXX of this year. This link is now missing and Citi Thankyou does not recognize my login. There is obviously an issue with the Sears Citibank side and they are not helping to resolve it in any way. Citi Thankyou has tried updating my info and reregistering my account to no avail. Citi Thankyou is acknowledging there is an issue and they are indicating it is with Sears Citibank Mastercard. I find it hard to believe that it would take this long ( 2 - 3 months ) to resolve an IT issue nowadays. In addition, Sears Citibank Mastercard should be taking responsibility to correct the rewards program that they offer through their credit card. I am hoping that by filing this complaint the company will correct the issue and compensate the customers for missing out on maximizing their points during the holiday sales that have now passed.
Product: Credit reporting or other personal consumer reports

I signed my daughter up for acting classes through XXXX XXXX and the agreement was we only paid for what she classes she took and it was paid ahead of time. It was said it will never show on my credit. There would be no surprise bills because you pay ahead and payment stops if you stop. After we stopped the classes I had a collections show up on my credit for XXXX dollars and after multiple disputes it now says XXXX I owe in collections but I do not owe anything at all and Its not the terms I agreed to. They refuse to take it off my credit and have ignored my requests and explaining what I agreed to. Theyre rude and unprofessional and Im highly dissatisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company Westlake financial has violated my consumer rights by 1. charging off a debt with the irs and still having it on my credit report as a charge off with a balance. it is a felony offense. i haven't been able to get approved for a job or find a place to live because this has been incorrectly reported on my credit report and i wish for it to be completely removed and i am owed {$5000.00} for damages
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan, an apartment, a mobile phone account, a credit card account, and a theme park account from XXXX XXXX XXXX with a balance of XXXXXXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX with a balance XXXX XXXX XXXX XXXX with a balance of XXXX, XXXX XXXX XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts or collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, I am in the process of purchasing a house, but I noticed several discrepancies on each of my credit reports. I have several inaccurate names, addresses, employment information, charge offs, closed & open accounts, and several student loan collections that do not belong to me. So, on Tuesday, XX/XX/2023, I mailed certified disputes to the credit bureaus demanding these errors to removed immediately. A few days later, I was informed by the USPS that each credit bureau has received my letters on Thursday, XX/XX/XXXX & on Friday, XX/XX/2023. Later, I received an email notification informing me about a few updates and that the student loan collection is still under reinvestigation, when I am not understanding why, because these collections were originally sold & transferred to DEPT OF ED/NELNET, from XXXX. I did not receive a letter in the mail informing me of this transfer nor did I receive a 1099C form regarding this purchase or cancellation of debt. According to my XXXX account, on Thursday, XX/XX/2023, these collections were reported on my credit report as PAID, and as if I made recent payment transactions on these false accounts, when I have no knowledge of these payments. So, I asked for proof showing that I made these payments on these bogus accounts. I am still waiting to for theses errors to be removed. According to 15 U.S.C 1681, there should not be any damages listed on my credit reports. This is a defamation to my character. 

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 XXXX XXXX XXXX XXXX
Product: Student loan

I contacted EdFinancial for a {$10000.00} refund on XX/XX/XXXX. I had made approximately {$8000.00} in payments to XXXX XXXX XXXX before they shut down and {$2000.00} to EdFinancial during the COVID-19 forbearance period. I was told by the customer service rep that " they could not see previous payments made to XXXX XXXX XXXX during COVID-19 before XXXX shut down and my loans were transferred to EdFinancial. '' However, I was assured that my refund request of {$10000.00} was submitted. I called back on XX/XX/XXXX for an update. I was told that the refund process would take a minimum of 5 months!! Every other servicer I have heard of has said 4-6 weeks maximum. This is atrocious. EdFinancial will not provide any confirmation of my refund request and has encouraged me to cancel my request. They are withholding my money, in direct violation of the CARES Act. I am not sure if I will be able to get loan forgiveness because EdFinancial is incapable of processing requests in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
Product: Mortgage

I think it is totally illegal for companies to show a rate that may be out of date with no disclosure. Its a way for them to get your info and then nonstop bombard you. Rates should be up to date or within a week.
Product: Checking or savings account

Ally Bank rejected my XX/XX/XXXX online application submitted at their website for an online savings/money market account. I provided all information requested, received an application number, see attached Allyrejection letter. 

Their letter dated XX/XX/XXXX & received XX/XX/XXXX, stated they couldn't open an account because my identify couldn't be verified! On the application I submitted all required info, e.g. full name, date of birth, mother 's maiden name , street address ( including current new address and address where I resided for 10 years up until XX/XX/XXXX. They quoted the USA patriot act & what personal info is required & that's exactly what I provided on the application. 

I've lived in New York my entire life - XXXX yrs old - all my credit & personal info is on my credit reports with XXXX XXXX XXXX ( very good rating on both ), so I want a reason why my application was denied. Whatever system they are using for security checks must be flawed if they are unable to verify my information which is readily available. 

I have been unable to get through to customer service after multiple tries and have given up on that option. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX XXXX XXXX a letter XX/XX/XXXX requesting validation of an account listed on my credit report. They signed for this letter XX/XX/XXXX at XXXX XXXX. They never responded to my letter. So on XX/XX/XXXX I sent them another letter that they signed for XX/XX/XXXX at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XX/XX/XXXX stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XX/XX/XXXX that they signed for XX/XX/XXXX at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal XX/XX/XXXX and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today XX/XX/XXXX they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau Experian with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/XXXX at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.
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 XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

Experian as well as XXXX have repeatedly refused to investigate and remove an account for on my Experian Credit report listed as XXXX since XX/XX/2016 that was due to Identity theft. The only update they have done is incorrectly listed the account as Discharged in Bankruptcy. I have provided the attached ID Theft affidavit multiple times to Experian and they have failed to properly investigate each and every time and have failed to remove the account from my report as required by federal law.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized accounts and inquiries have been reported on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be blocked and deleted from my credit report immediately.

Unauthorized Accounts : 1. XXXX XXXX XXXX XXXX Account : XXXX Date Opened : XXXX XXXX Balance : {$5700.00} 2. XXXX XXXX Account : XXXX Date Opened : XXXX Balance : {$0.00} Unauthorized Inquiries : 1. XXXXXXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXX XXXX. XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that does notbelong to me and never authorized any contracts and business with these companies. Thefollowing accounts are listed below : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.
Product: Bank account or service

Wells Fargo has charged me over {$600.00} in overdraft fees in a matter of days. I started to receive these fees everyday for unauthorized transactions. They were no help in the end, my dispute was just passed around to different departments who provided me with inaccurate information just to get me off of the phone. This bank has me very angry because they are careless about their customers. They are very inconsiderate about people who have to pay for bills and rent. The dispute was supposed to take 10 business days but they responded to me the same day saying, " Unfortunately there is nothing we can do. '' Which just goes to show that they did n't even take the time to really look into my claim. They were recently sued due to similar situations but obviously loosing customers does not matter to them.
Product: Debt collection

I received an alert today ( XX/XX/22 ) from my credit monitoring service that Suburban Credit Corp placed an illegal entry on my credit reported without notifying me. According to the The Fair Debt Collection Practices Act, The law : Within five days of initially contacting you, the collector must send written notice of the debt and include : 1.The amount of the debt 2.The name of the original creditor to whom the debt is owed 3. A statement describing your right to dispute the debt I do not owe them any money. I have never spoken with anyone from this company nor have I received any type of documentation from them.
Product: Credit reporting or other personal consumer reports

This XXXX account has never belonged to me and is on my credit report due to fraud XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Open Account Loan Type UTILITY COMPANY Balance {$530.00}
Product: Credit card

XXXX/Synchrony Bank Letter of complaint Enclosures : 1. Synchrony Bank Statements, Closing : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, & XXXX/XXXX/XXXX. 
2. XXXX XXXX Invoice dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX # XXXX XXXX & XXXX XXXX. 
3. Synchrony Bank, Fraud Solutions Department Letter, Dated XXXX/XXXX/XXXX. 

To whom it may Concern : In XXXX of XXXX I received a statement from XXXX/Synchrony Bank with a statement close date of XXXX/XXXX/XXXX ; however this account had been closed since XXXX XXXX, and paid off in full. 

I contacted Synchrony Bank and they confirmed that the account was closed and no payment was due. 

However on XXXX/XXXX/XXXX, I received a letter from Synchrony Bank, Fraud Solutions Department stating that the amounts are due and there is an outstanding balance on my account ( see attachment # XXXX ). 

I have attached and reviewed all purchases invoices and bank statements regarding these transactions which total {$3700.00} dollars ( USD ) ; which was the amount agree to and paid. 

After my conversation with Synchrony Bank, Fraud Solutions Department ( P.O.C. XXXX ), I believe I 'm being charged some six month later for some free / Promotional art work that I received ( see attached statement XXXX/XXXX/XXXX ). Because the amount on the invoice of {$3700.00} and the amount billed of {$3700.00} are the same amounts that I paid ; the free art are shown as XXXX in the invoice price column ( XXXX, XXXX, XXXX, XXXX, & XXXX ). 

I did n't authorize these charges on an account that had been paid in full and closed for SIX ( 6 ) Months ; and if XXXX XXXX would like its free art work back I would be more than happy to send it back to them. 

However Synchrony Bank had no authority to accept a charge to an account that had been closed for six months, and I believe their action is outside the scope of a banking institution. 

I want this account zeroed XXXX XXXX XXXX out and closed, and if XXXX XXXX would like its free art work returned they can contact me and we can make arrangements for that to happen ; however that is not the business of thee banks ... and this account should have never been charged.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2023 ) Im now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the uncooperative and non-compliant behavior exhibited by XXXX in addressing a fraudulent item on my credit report. Despite repeated attempts to rectify this matter, XXXX has displayed a blatant disregard for consumer laws, including XXXX XXXX guidelines and CFPB regulations. 

Account Information : Account Name : XXXX Account Number : XXXX Account Type : Charge Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$470.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Credit Limit : {$300.00} Highest Balance : {$470.00} Terms : - On Record Until : XX/XX/XXXX Despite my repeated requests, XXXX has not provided adequate documentation regarding the method of verification for the aforementioned fraudulent item. This refusal to disclose information that directly impacts my financial well-being raises serious concerns about XXXX 's compliance with legal obligations and transparency standards. 

Furthermore, XXXX 's failure to thoroughly investigate and address this issue is a clear violation of my rights as a consumer, as well as XXXX XXXX guidelines and CFPB regulations. I have diligently followed all necessary steps to dispute the inaccuracies and potential fraudulent activity on my credit report. However, XXXX 's reluctance to take meaningful action reflects a lack of commitment to its responsibilities under the Fair Credit Reporting Act. 

I am deeply disappointed by XXXX 's behavior and demand that the Consumer Financial Protection Bureau intervene to ensure that this matter is promptly and appropriately addressed. I kindly request that you thoroughly investigate this case and take necessary actions to hold XXXX accountable for their violations. 

I look forward to your prompt attention to this matter and a swift resolution to rectify the fraudulent item on my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any additional information or clarification. 

Thank you for your immediate attention to this pressing issue.