23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Equifax has been submitted my identity theft report XXXX  times this month and this is the XXXX time i am sending. Equifax stated they don't have my identity theft report from FTC even though I uploaded it to the CFPB XXXX each time. XXXX/XXXX/XXXX  Spoke with Equifax supervisor yesterday XX/XX/year> and did nothing but give me the runaround. supervisor after XXXXXXXX XXXX XXXX  Equifax is purposely keeping illogical and non-factual information on my credit report. 
Then Equifax keeps changing the status of XXXX XXXX status all the time. 

This is my XXXX if not more request to them and still not corrected. 

EQUIFAX TO EMAIL TO ME CONFIRMATION RECEIPT OF MY IDENTITY THEFT FORM
Product: Checking or savings account

My name is XXXX XXXX I have a US Bank Smartly Checking account, and I also have a U.S. Bank XXXX XXXX Visa XXXX Credit Card. The US bank website stated that the monthly maintenance fee could be waived if I have an eligible US bank credit card including an Altitude Reserve card. I have obtained the XXXX XXXX credit back on XX/XX/XXXX. Starting on XX/XX/XXXX, my US bank charged me {$6.00} monthly maintenance fee on XX/XX/XXXX, XXXX XXXX, and on XX/XX/XXXX, even though I have an eligible credit card the monthly maintenance fee should be waived. I have called US Bank several times but the issue has not been resolved. Please refund me the XXXX {$6.00} maintenance fees in a total of {$20.00}. Thank you!
Product: Credit card

I had previously noticed several accounts at citibank being opened without my knowledge and notified the bank of potential identity theft and fraud. 
The looked into and closed the first 2 accounts due to my diligent notice.

However there was another instance which I missed due to being out of the country at the time. Citibank allowed for a third account to open without any verification.

I called and asked for them to close the account as I am not the person who opened it. I already submitted this with the identity theft .gov. However CitiBank denied my request and dispute saying that all their information was correct. 

Despite this being the third time CitiBank allowing for a fraudulent account being opened with my information.
Product: Money transfer, virtual currency, or money service

In XX/XX/2018, I bought a phone through XXXX  and paid {$3600.00} through PayPal. The phone was faulty, I followed XXXX procedure and returned the phone for refund. The seller started playing with time. I filled a case with Paypal which was closed without thorough investigations, no contact with me to verify my facts. I appealed their decision several times, Paypal kept saying this decision based on new available information, and closed the case. 
I actually reported the case again to Paypal as fraud, the seller opened communication with me after I opened the case with Paypal. The item was sent back upon request, and he collected the item. After Paypal closed the case, he stopped communication and did not process my refund. I attached the sellers conversations with me during the process, sent to Paypal in email and registered letter and XXXX confirmation that he seller the item back. 
As directed, I called Paypal customer services on XX/XX/18, and spoke to a representative. I was informed that a case will be opened regarding my concern, and that I do not need to do anything, few days after i received a message that the case is closed. The XXXX kept the phone and have not processed my refund. 
I expected Paypal to thoroughly investigate this matter and resolve it, but they did not. I am open to provide you necessary document as needed. 
Kindly use your good offices to resolve this case. 

Thank you.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$400.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3100.00}
Product: Credit card

American Express had a promotion for signing up for a Platinum Card ( {$450.00} annual fee ), the promotion was that if I spent {$3000.00} in the first three months of the card I would get XXXX American Express Membership reward points. I signed up and met the {$3000.00} threshold in the first month, in fact spent {$4000.00} on XXXX transaction ( football tickets ). American express promptly credited me with XXXX Membership Reward points to my account ( XXXX/XXXX/16 ). 

Recently ( XXXX/XXXX/16 ) they took back the XXXX points in my account saying that I committed fraud to get the points and they were taking them back. At no time did I commit fraud, the only event that happened since earning the points was that I downgraded the Platinum Card to an Everyday American Express card. The reason I did this is that I discovered I would not be accepting a new job where the travel benefits of the Platinum card would be beneficial to me. At the time of cancelling the Platinum Card, I explicitly asked the American Express rep in our chat if I would lose the points by cancelling. The rep for AMEX said that I would keep all the points since I am maintaining the AMEX everyday card. This was a chat conversation that I know AMEX has the records to look up the exact conversation with details. Clearly I was lied to by this AMEX rep and would have kept the card open if the rep told me by cancelling I would lose the points. Which they did not! 

Upon having the points clawed back I contacted AMEX on why this happened and if they could fix it. AMEX would only respond that it was fraud with no specifics or evidence and they could not do anything to get my Membership Rewards points. I am a 20 years customer of AMEX and not some alleged Grifter. I feel that AMEX has committed their own fraud by not fulfilling their obligation of my XXXX Membership Rewards points offer. Furthermore, even when clarifying the situation before cancelling the Platinum Card, they lied again by telling me that I would keep my points by downgrading to the AMEX Everyday card. 

AMEX should honor their offer and reinstate my XXXX points as they are the only party committed fraud here by not honoring their own offer obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to follow up the previous CFPB Complaint I submitted addressed to the Credit Bureaus. I sent a letter to the Credit Reporting Agencies on XXXX XXXX, XXXX, requesting the Credit Reporting Agencies to remove the disputed fraudulent accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Score Decrease Your FICO Score has decreased by 3 points. 

XXXX  XXXX  / Credit Card Inquiry WF CRD SVC got a copy of your XXXX  Credit Report. 

Today What happened? 
WF CRD SVC made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  XXXX  : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  XXXX XXXX XXXX XXXX. 

What is XXXX  XXXX XXXX XXXX XXXX? 

Close I did not apply for, nor have I ever applied for a Wells Fargo account of any kind ( credit or otherwise ), ever! 

XXXX XXXX,
Product: Checking or savings account

Hi, I enrolled in a Citibank offer where if you transferred {$50000.00} into a savings account within 30 days and leave it for 60 days then you received a {$600.00} bonus. I just called Citibank and they claim that I did not meet the 30 day requirement. I opened the account XX/XX/XXXX and I did not receive the information to transferred funds into the account until XX/XX/XXXX where I did transferred {$50000.00}. However, even though I provided all the correct information Citibank rejected the transfer. So on XX/XX/XXXX I had to transfer {$50000.00} again. Both of the days I transferred were before the 30 days. However, the money did not make it into the account until the XX/XX/XXXX. Citibank made it impossible for me to meet their 30 day criteria by delaying when I could open the account and rejecting my transfers. I would greatly appreciate if Citibank honor the {$600.00} bonus because I made my best efforts to meet the 30 day requirement but because of Citibanks actions I could not. Also, my other savings account has a much higher interest rate so leaving the money in Citibank cost me hundreds of dollars, which the {$600.00} would help offset
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of my credit report. direct hippa violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to obtain auto insurance and Lexisnexis reports I have multiple accidents in driving record. Some were before I was licensed to drive. Accidents belong to family members. Their phone number will not accept calls. Submitting a customer care request will not go through. Tried on several occasions. There are about 5 accidents that do NOT belong to me. 

I have obtained a consumer report from Lexisnexis. It does not state anywhere that I am involved in accidents.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a installment loan XXXX when it was open closed XXXX was included in my XXXX XXXX bankruptcy Equifax is reporting the account 120 days pass due but that account was discharge in my bankruptcy and Equifax has on mt report 120 days pass due i talk to Equifax and no one was willing to change that status to discharge XXXX XXXX i do have my discharge paperwork for that account the amount for the loan XXXX.
Product: Payday loan, title loan, or personal loan

I am writing to report Upgrade Financial Loans ( https : //www.upgrade.com/ ). They have allowed my information and account to be compromised twice over a 60 day period. They took the entire {$11000.00} loan amount from my bank account, then I called and asked them to deactivate my auto payments which they did and apologized. Then approx. two weeks I get a call to approve a credit card offer request which i denied emphatically. I asked to speak to fraud department, and in the middle of speaking with someone in fraud, I was polite but frustrated, they hung up on me during the conversation and never called back. The very next day they took another auto payment of {$10000.00} out of my account again. This caused my bank account to spiral and subsequently all scheduled payments were not made with other creditors and has caused my bank account to suffer fees for bounced payments. Both cases they assured me that the auto payments was deleted. Fast forward to today I found a auto payments of the {$270.00} deducted once again. This prompted me to go into my account and I saw that Upgrade has allowed a loan that I di not request to be in final review.

Please assist me this has been going on for too long and it is creating financial destruction on my end. I have always paid all of my loans and cc cards on time with excellent history. They had no right to reactivate the auto payment method and deduct from my account once again.
Product: Checking or savings account

I was not work during XXXX was charged overdrafted fee XXXX other fee my account was closed
Product: Student loan

XX/XX/XXXX I received a XXXX XXXX Tuition Answer Student Loan in the amount of {$20000.00}. I am listed as the Student Borrower/Co-Signer of the loan. I completed XXXX school in XX/XX/XXXX ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of XXXX school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than {$400.00} per month and as a XXXX student with a salary of only {$5800.00} a year this was a struggle. 

After finishing XXXX school the job market was less than ideal. I missed some payments and got behind. I contacted XXXX XXXX for assistance and they informed me that the only program I qualified for was a " rate reduction program ''. In this program they reduce your interest rate to 1 % and you pay the interest on your loan ONLY. None of the money goes towards the principal which has now exploded to just over {$54000.00}. 

I now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan, it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX, now Navient, simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers, it suffocates them. I am a teacher so I will never make enough money to make the monthly payments that they want from me and LIVE. 

I reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate, the Rate Reduction Program, " is a special modification program that is designed to assist customers in resolving delinquency and repaying their student loans ''. 

The problem is, the Rate Reduction Program DOES NOT help consumers repay their student loans, it helps make the pockets of Navient thicker by collecting " interest only '' payments from those who are financially struggling. Here is an idea Navient, if you really want to help consumers repay their student loans why do n't you take the interest rate down to 0 % for one year and allow them to make a pre-set payment that will ACTUALLY help them pay down their principal. 

As I said before, I want to pay my debt back, but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me " repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need to be deleted. I have listed the account, the opening date, and account number, when possible, below. The reasons why these items should be deleted are indicated below : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Debt collection

The following account is inaccurate and fraudulent. I did not own the following debt. I attached some screenshot of my report saying there are discrepancies in my accounts that the other bureaus do not have any input about the debt, please see attachment. 




XXXX XXXX XXXX XXXX XXXX / XXXX / {$2200.00}
Product: Student loan

I graduated with a large amount of student loan debt from XXXX XXXX in XXXX, MA in 2009. Since graduation I have put my private loans in deferment and paid interest only payments for the past 6 years. Now, Navient is requesting that I pay {$1500.00} a month to pay off the rest of the loan. I told their customer service department I could not afford and they said well you can pay an extended payment rate of {$850.00}. I asked if the payment could be further lowered where I have spoken to several representatives. They first told me that I could do the {$850.00} payment only and nothing lower, then told me that might co-signer on XXXX of the loans would also need to call in for approval. When I called back they said that I made too much money to have the terms extended and that my basic life necessities left me with about {$1700.00} a month to work with, but their math only took very basic necessities into consideration. They said that their is now an approval process to lower my payment to {$850.00} but that I will almost certainly be denied, given how much I make. Given that my work is in freelance film and television production, I have to keep some amount of savings because while I work steadily there are times of the year I can not work. I have offered Navient a couple of times now a reasonable amount I can pay and they will not accept anything but the {$1500.00} a month, which roughly half of my paycheck every month. I am willing to pay them and I want to make a reasonable monthly payment but they told me that the only way I would have more options to repay my loan is if I went delinquent on my payments, which is something I do not want to do. I do not understand why they would want to make the situation more difficult and not try to work out a reasonable plan. I am at a loss for what to do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following transunion should be removed ... ... XXXX XXXX-XXXX..XXXX  XXXX  XXXX ... XXXX XXXX-XXXX ... XXXX-XXXX ... XXXX  XXXX-XXXX  ... XXXX  XXXXXXXX ... XXXX-XXXX ... .XXXX-XXXX  ... XXXX-XXXX.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT. 

This company has failed to post all my payments from XXXX to date and have reported my account as delinquent as of XX/XX/2021. 

While this is an ongoing violation of Regulation Z that they refuse to respond to, THIS complaint is concerning my CURRENT LOAN STATUS as of XX/XX/2021 ( see attached ) I have paid months in advance, and they are not processing the payments in accordance with Regulation Z. 

I have followed up and sent multiple emails but XXXX XXXX has refused to respond ( see attached ) As such, I am filing another complaint as my mortgage and credit is at risk for their violation of Reg Z and failure to process payments as required by law.