23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi / AAdvantage Platinum Select World Elite Mastercard has misleading benefits. One of the benefits is " First checked bag free on XXXX XXXX domestic itineraries. '' I recently booked a flight on the XXXX XXXX website from XXXX to XXXX. The outgoing flight was an AA plane and I checked a bag. I was not charged for this. 

The return flight, even though I booked on the AA website, meaning it's an AA itinerary, was on XXXX. I was charge {$30.00} each for my and my partner 's first checked bag. The flight was based on an AA itinerary, so I'm not sure why I was charged. 

I called and messaged Citi to get the charges reversed. First I was told that I would get credited after the statement closed. I reached out after statement closing and they told me that my flight had a codeshare agreement with XXXX  and therefore my benefit was not applicable. How am I or any other consumer supposed to know what the benefit actually is? I assumed that by booking on the AA website that my flight was an AA itinerary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am making this complaint because I am livid! today i reviewed my credit report to find fraudulent items. There are several student loans that have been open without my knowledge and several credit cards that were opened without my knowledge. These accounts are fraudulent and I demand they be removed from my report. These accounts have hurt my credit-likeness. I am currently working with authorities to get to the bottom of this matter. I have filed a complaint with the FTC please see attached
Product: Checking or savings account

I tried to open an account at Ally Bank a few years ago, and I was denied. When I called asking for an explanation, I was told that it was because my credit score was too low. This had to have been false, because my credit score was and remains well over 700. I suspected the real reason for the denial was because I had recently applied a credit freeze to my consumer reports with XXXX, XXXX, and XXXX after some of my personal information was compromised. But a credit freeze isn't suppose to prevent me from getting an account -- the bank should just reach out to me to confirm it's me trying to open the account before proceeding. 

Today, XX/XX/2023 I tried again to open a savings account -- this time as a joint savings account. Once again, the application was denied. I received no explanation for the denial. The only statement provided by Ally Bank 's automatic system was this : " We weren't able to approve your application. We can't accept your application because it didn't meet our requirements. We didn't make an inquiry to your credit report. We appreciate your interest in Ally Bank. '' I tried calling Ally 's 24/7 support line for more information, but had to wait on hold for a long period of time before I had to give up. It is unclear what " requirements '' Ally Bank claims I have failed to meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, MA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Student loan

I requested and was placed on an interest only payment plan on XX/XX/XXXX ( see attached approval letters ), I set up autopay for the payment ( for both loans ) in the amount of {$150.00} the first payment made XX/XX/XXXX and the gentleman I spoke with pushed the next out to XX/XX/XXXX. 

Navient does not have an indicator you are on such plan on their portal and kept reporting to me and the bureaus that my payments were past due even though they weren't. Due to the fear of additional negative reporting, while trying to get a mortgage, I went ahead and made individual payments on the loans, only to find out that on the XXXX of each month, Navient is still debiting my bank account for {$150.00}. I called and tried to rectify the situation and was told my account was past due from XX/XX/XXXX, which is impossible due to the interest only payment plan I was actively participating with. 

The rep on the phone argued and screamed at me and said I either pay it or I don't get my mortgage. Out of fear, I once again paid and paid double. This month they are now reporting me past due again ( bill was due XX/XX/XXXX ) and it's the exact same scenario, I am still enrolled on the interest only payment plan through XX/XX/XXXX. I am being bullied and threatened and am unable to get out of this loop of double paying my student loans.
Product: Credit reporting or other personal consumer reports

Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ID THEFT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS XXXX forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached. this is now escalated to courts for fines related to multiple violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced various forms of harassment by the California Government including XXXXl XXXX as a child. I am trying to remove the addresses that do not belong to me from my credit report. The address listed was initially removed and then added back by Experian. This address does not belong to me and never did. The address is associated with fraud by XXXX XXXX and members of the California Government. 

I want this address removed from my credit report. 

There is a XXXX XXXX who lives in this apartment complex as well as a family member who belongs to a weird XXXX. 

This address does not belong to me and never did under any legislative statutes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 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 COLLECTION XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This complaint is about Bankers Mortgage Lending Inc. who are involved in unfair lending practices. We bought a new construction home from XXXX XXXX in XX/XX/XXXX. The lender approved our mortgage based on unimproved property taxes and no CDD fee. They estimated our taxes to be XXXX and they are over XXXX. When we paid our taxes in XX/XX/XXXX our escrow account was short XXXX and our payment is set to increase by over XXXX/month. We are not alone. In speaking with numerous neighbors with XXXX XXXX financed by this lender they too were short and payments have skyrocketed. In one case he has an increase of XXXX/ month. None of us were informed by the lender or XXXX XXXX that our payments would be going up. Seeing as they are the preferred lender for XXXX XXXX they have done numerous mortgages here in XXXX county, it is implausible that they did not have a better idea as to what the tax rates should be. I believe this was done purposely in order to have buyers qualify for higher mortgages and to help sell more houses for XXXX. Numerous people are now having to refinance or sell their homes because they can't afford the payments.
Product: Student loan

My student loan servicer is Nelnet. I have been attempting to log into their website to download information that I need to file my income taxes. There is an error with their login system that prevents logging in : every login attempt results in a Username/Password mismatch even after confirming the using name with their system via the " Forgot Username '' process and resetting my password via their " Forgot Password '' process. I even waited for several days after resetting my password to see if a new password just needed time to work it's way into their system. Still no progress. 

I contacted them via email for help with this issue and have not received a reply.
Product: Vehicle loan or lease

I am filing a complaint against Bridgecrest and XXXX regarding their refusal to provide me with monthly billing statements for my auto loan. Additionally, I have concerns about the accuracy and transparency of the loan balance, specifically regarding the down payment I was required to make and how it was accounted for in the loan terms. 

Details of the Complaint : I financed a vehicle through XXXX, with the loan being serviced by Bridgecrest. 
When I requested monthly billing statements ( either paper or digital ), I was told by Bridgecrest that they do not issue statements at all. 
XXXX directed me back to Bridgecrest, and Bridgecrest then told me to contact XXXXneither company has taken responsibility. 
As a borrower, I have no way to track my payments, interest charges, or outstanding balance. 
Without official statements, Bridgecrest and XXXX could potentially change my payment amount at any time without my knowledge, which raises serious consumer protection concerns. 

Down Payment & Loan Balance Issue : I was required to make a down payment toward the vehicle purchase, yet this amount was not properly reflected in the loan balance or how the loan was structured. 
Typically, down payments reduce the amount financed, yet I was informed that a down payment was not required under their loan terms, which raises questions about why I was asked to make one and how that money was applied. 
The lack of transparency in the loan terms and failure to provide statements makes it impossible for me to verify whether my down payment was properly accounted for. 

Why This is a Problem : This lacks transparency and makes it difficult for me to ensure accurate payments. 
Most loan servicers provide statements for tracking and verification purposes. 
The treatment of my down payment raises potential concerns about deceptive lending practices. 
This could be a violation of the Truth in Lending Act ( TILA ) and other consumer protection laws.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 - {$500.00} {$500.00} XX/XX/2020 - {$250.00} {$490.00} I was contact through XXXX regarding a job opportunity to work from home for XXXX XXXX . I do not have the communication through XXXX  because the person blocked and deleted the messages. Also, blocked me from XXXX. They stated I would be doing XXXX XXXX for XXXX XXXX and they would send me funds to purchase the materials from Vendors they work with, along with a XXXX sign on bonus. 

A couple of days has passed once the funds was released they blocked me. I had know idea this was a scammed because I called the bank to verify funds and it was available. I tried to contact them but was unsuccessful. The bank was going to close the account but a representative from loss prevention called me on XX/XX/2020 at XXXX XXXX  ( CST ) I informed her what happened she stated she was not going to close the account due to a scam and my account should go back to positive. As of today, my account is still - {$1300.00}. My paycheck goes in this account and I had to stop it because I was going to be loosing money. I talked to the bank everyday and they will not help me. I did not receive the material to start work. 

Also, on XX/XX/XXXX I received an email from my bank stating my card was declined. They were trying to purchase an item from a company in CA. My card was turned off, even if it was it would not process.
Product: Debt collection

I received a letter in the mail from Westlake portfolio  around XX/XX/2023 stating that I had a balance from the original creditor of {$2900.00}. I forgot about the letter but then I received another letter in the mail on XX/XX/2023 stating the balance is {$3600.00}. I immediately attempted to contact the agency I spoke with a representative who told me his name was XXXX ID XXXX, he was very rude when I asked him why did the balance go up and asking for clarification. He stated to me in a very rude matter Do you want to settle with us or do you want to file a report with FTC I see you have already dome that in the past you just need to settle the account or what. I asked to speak with a supervisor he stated the supervisor was unavailable. I disconnected and called back hoping to get another representative who can answer my questions I got a representative name XXXX XXXX he refused to give me his ID number. I asked him in regards to the discrepancy he stated that the bal was {$3600.00} the whole time when I Advised him that wasn't the case because I had received a letter earlier this giving another balance. He began to get rude as well and stated do you want to take the settlement or not. I asked for a supervisor he refused to put a supervisor on the phone I asked to be transferred to a supervisor voice-mail he refused that as well and he disconnected the call.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/year> in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.
Product: Debt collection

I am currently in the XXXX XXXX. I supposedly have a collection pending for a transaction of XXXX XXXX I never have received notification to pay this amount before going to collection. I believe it is unfair because if at any time i would have receive a notification, this would n't be in collections right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Navient to conduct a fraud investigation for a loan that was taken out in my name. In XXXX, I submitted their identify theft packet that included police reports, witness statements, signature samples and notarized documents to obtain financial records from my school and any other party deemed necessary. A through investigation wasnt completed on my behalf. They didnt request documents from the school in a timely fashion to verify how my schooling was funded. They failed to do a forensics investigation for signature comparisons and admitted they are not trained to do so. The rep handling the cases said although they looked similar he didnt believe it was my signature. 

They then began to question me as to why I didnt peruse this sooner, then wanted me to have the person who committed the crime to confess instead of doing the work on their end. This wasnt properly handled and Im being punished for something I didnt do or have knowledge of. The reason I believe they are unwilling to help is because the person that committed the crime is my mother. When I called to get an reason for the investigation to be closed, but they are unwilling to get the necessary document and information to complete the investigation without me sitting on the phone with them for hours to do so. That was the only reason I go answers about my school financial records.
Product: Mortgage

My escrow account is showing payments for a lot higher than my taxes that were not made and did not pay my taxes for XXXX or XXXX. I brought this to their attention and they paid them. I requested they fix my escrow account and refund me for fees related to late payments. They referred to them as supplemental taxes and said I was responsibe for the fees and penalties. I sent them forms from the Tax appraisors office and the county tax site showing they were the only taxes and the only payments received by the tax office for my property. I have turned it over to my brother in law to speak to them on my behalf but would still like to file a complaint as I have been dealing with this since XXXX. 

I am attaching their records as well as mine. If they made payments, it was not on my taxes
Product: Payday loan, title loan, personal loan, or advance loan

Law 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including information required by 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Please update and remove the late payment for World finance late payment XX/XX/XXXXXXXX XXXX XXXX
Product: Debt collection

repeated calls reguarding attemp to collect a debt tried blocking, continue calling,
Product: Credit reporting or other personal consumer reports

After calling XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX and being told that no one could help me I had to wait for a call back which would take 48 hours. I have still not received a call back.

After trying to email the request for a copy I have had two returned emails that the mailbox was full. I agent emailed and informed me to fax the request. I faxed the request and there is still no request for the order. 

In the meantime I have been denied a position due to information on the report but Im unable to ok provide any explanation because no one is able to retain the report and first advantage has not communicated any information.