23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My husband and I booked a trip through XXXX XXXX There were 4 charges in total : {$290.00}, {$320.00}, {$320.00} and {$4500.00} were made through our checking account. Due to the pandemic of Covid-19 they cancelled our trip and stated that they were unable to refund us due to the pandemic and to contact our bank to get our money back. I filed a charge dispute with Citibank for the charges and theyve refused to refund us our money. Even though we provided them with a notarized letter stating what happened and copy of email from XXXX stating they are not refunding us and to contact bank.
Product: Debt collection

In my attempt to verify a debt of {$530.00} that does not belong to me, the company LVNV Funding LLC could not validate my full name, address and other pertinent factors to prove that this debt belongs to me. The debt collector illegally violated laws of the FCRA by not sending me a letter in the mail because they did not have the correct address, illegally reported it to the credit reporting agencies, they were unable to give me my complete name to prove that the debt belonged to me.
Product: Bank account or service

I opened a CitiGold account with Citi Bank in conjunction with a promotion offer XXXX American airlines miles after {$1000.00} in debit card purchases and bill pays in consecutive months. I quickly met the requirements and called in to Citi bank several times to confirm that the promotion was noted on my account and that I had met the terms of the promotion. Every time I called in the customer service representative informed me that I had met the requirements and that I would be receiving the miles within 3 months of meeting the final requirement. They also informed me on XXXX XXXX through a secure message that the miles were in process are were due to arrive in my account within 30 days. Citi bank is now refusing to honor the terms of the promotion saying that I was not initially targeted for this promotional offer. This is a direct contradiction to the information I received from several customer service representatives stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. I believe that Citi bank knows that they owe me the miles and have been intentionally slow and unresponsive in their dispute resolution process. I began several investigations with them 2 months ago and the issue is still not resolved. As a whole the company has been very unhelpful and I think they are hoping that I just give up so that they dont have to pay the miles.
Product: Debt collection

XXXX XXXX XXXX XXXX ( XXXX ) was collecting from XXXX Insurance and from me. XXXX paid everything except for the deductible amount which was {$1000.00}. XXXX explained that the fees and loss of rental income were requested as a standard practice but were not paid by the insurance or by me. When XXXX XXXX XXXX XXXX contacted me, the representative informed me that their client ( major US car rental agency ) received payment from XXXX but that my payment ( my insurance deductible ) was the only payment outstanding. We discussed the fees and loss of rental income and the XXXX XXXX XXXX XXXX representative explained the same as the XXXX rep ', those fees were not recoverable and their client was happy to let them go. I paid the {$1000.00} ( XX/XX/XXXX ) Today XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXX, the representative said there was bad news and asked for {$620.00}. The rep ' said that amount was outstanding and that I owed. I reminded the rep ' that my situation was handled by insurance and that any outstanding balance other than deductible, was paid by my insurance. The XXXX rep ' got agitated and loud with me, eventually after shouting for a while, he hung up on me. I called XXXX and they confirmed that everything was paid. They even called XXXX and were told that the account was closed. I believe they are trying to scam me.
Product: Checking or savings account

My direct deposit still not posted into my account after two days ; they stating having technical issues but for 2 days already???
Product: Debt collection

Called in XXXX of last year to get a mailing address this company refused to send me a return envelope so called and ask for address to send check and I was informed that they have turned me my account over to collections I ask for the address and name of collection agency and the guy would not tell me so the address he gave me was the address to the credit card company when he ask for my number I informed him that he was not to call then XX/XX/XXXX I get yet another call from the collection
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized credit inquiries listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 609, I have the right to request the validation and verification of any information listed on my credit report. Upon reviewing my credit report from your bureau, I discovered multiple inquiries that I did not authorize nor consent to.

The unauthorized credit inquiries occurred on [ Date ( s ) of Inquiries ], and I have counted a total of [ Number of Inquiries ] inquiries within the span of a single day. It is imperative to emphasize that I did not initiate nor authorize any agencies or institutions to conduct these inquiries on my credit report. As a responsible consumer, I am vigilant about my credit activities and take great care in managing my credit profile. 

The FCRA provides clear guidelines regarding permissible purposes for accessing consumer credit reports. Any inquiry made on my credit report without my explicit authorization is a violation of my rights under this act. Furthermore, such unauthorized inquiries can adversely affect my credit score and financial standing. 

I am formally requesting the immediate removal of these unauthorized inquiries from my credit report. Additionally, I expect a thorough investigation into the circumstances surrounding these inquiries to prevent similar occurrences in the future. As per FCRA Section 609, I request that you provide me with written documentation confirming the removal of these inquiries from my credit report within 30 days of receiving this letter. 

Failure to comply with my request within the stipulated time frame will leave me with no choice but to pursue legal action to ensure my rights under the FCRA are upheld. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiries for your reference and investigation. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of these inquiries from my credit report. 

Sincerely, XXXX XXXX Any additional supporting documents ( Police Report )
Product: Money transfer, virtual currency, or money service

My parents who are not in the states sent me a wire transaction of XXXX dollars XX/XX/2019 to my Chase checking account, however I provided a wrong account number but with all other information correct like my name and address etc. 
After we find out the fund didn't arrive at my account due to a wrong account number provided a week after XXXX, we filed a withdraw request to Chase bank asking for refund. Then Global solution center of Chase bank has been telling me they had been keep investigating it and they said that the fund has already went to the beneficiary 's account ( which is the wrong account ) and they were trying to get contact with that guy for the next 2-3 months during which they never updated with me even when they closed the case. After that I turned to a branch manager to ask for help and this kind manager have been helping me making a lot of calls to different department to ask about the investigating result.

Then, after ending up with no result, the manager helped me escalate it to complain department  which gave me a final decision that they won't be able to get the fund back. 
During the past 6 months, I have heard different versions from the Chase bank like the money has/has n't went to beneficiary 's account. Also Chase once said the my parents had the name that matched the wrong account number which is absolutely impossible. 
I understand that Chase should not be blamed for me providing the wrong account number, but how can they not even try to match the name for the account? Even some online purchase need to verify your billing address to approve the transaction.
Product: Credit reporting

It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX Last four of SSN:XXXX I have sent numerous letters and phone calls trying to remove 11 fraudulent inquiries from my account. This is my second dispute with Equifax this information on my report is not accurate and it is fraudulent. There have been an investigation done but did not provide me with any evidence that I approved my credit to be ran. These inaccuracies are hurting my credit profile and I want them removed. There credit inquiries I am disputing are : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to XXXX XXXX i wasn't able to work and make my car payment on time and it was reported to my credit as 30 days late, however i am back to work now and i was able to catch up with my payments, i have documentation that i was XXXX  for 24 days because the virus infected my XXXX causing XXXX and XXXX XXXX XXXX. I tried contacting the XXXX XXXX XXXX XXXX support line to ask about removing 30 days late from my credit report but i could not get any help from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX Mastercard in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to Experian and successfully had the account removed. 
However, In XXXX of this a collection agent, XXXX XXXX XXXX, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with Experian to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft stemming from a XXXX XXXX Unauthorized accounts and credit inquiries have been reported on my credit file without my consent. Pursuant to XXXX XXXX. XXXX ( a ) and FCRA XXXX ( b ), I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report : XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} Unauthorized Credit Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Hello, I applied for a Chase Marriott XXXX XXXX credit card on XX/XX/XXXX and was denied due to them saying I have " too many open accounts '' and now have a negative mark on my credit report. The representative XXXX on the line said it was due to their " XX/XX/XXXX rule '' and was not denied for other reasons as I have near perfect credit and a high income so I am a safe bet for lenders. She said that I can keep applying for other Chase cards but they will all be denied. How can consumers know what cards they are eligible to apply for and not eligible due to this " rule '' for if Chase does not publicly share this info before applying? I had no idea about this rule as it was not publicly posted anywhere around the card details at all and which cards. 

This feels like a deceptive practice by Chase in order to attain more applications and withholding from the public this arbitrary rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the below referenced accounts on XX/XX/2022. The credit report of XX/XX/2022 and your report shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 

XXXX XXXX XXXX In accordance with the requirements of the Fair Credit Reporting Act, FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a business reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( 1 ) A statement that the disputed information has been reinserted ; ( 2 ) The business name and address of any furnished of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( 3 ) A notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.

Please be advised that this is my LAST and FINAL WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under FCRA Section 616 and FCRA Section 617 regarding your continued willful and negligent noncompliance.
Product: Debt collection

NCB Management reports fraudulent accounts to credit bureaus. 
NCB Management fails to comply with federal regulations by credit reporting agencies. NCB Management is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



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

On XX/XX/XXXX, and XX/XX/XXXX, I reached out to every creditor and inquired on my credit report, I hope this letter finds you in good health. I am writing to address a matter of significant concern regarding the information on my credit report. I have contacted every company listed on my credit report and patiently waited, but unfortunately, no action has been taken to rectify the discrepancies. 

I have received correspondence from both XXXX and XXXX, confirming that adjustments were made, but the unauthorized inquiries were not removed. Specifically, I have identified a total of 66 unauthorized inquiries that were conducted without my consent, resulting in an inaccurate representation of my creditworthiness. 

To assist you in investigating this matter further, I have provided a detailed list of the inquiries in question, including the dates, company names, and the respective credit bureaus : In addition to the unauthorized inquiries, I have identified outdated accounts on my credit report, which further distorts the accuracy of my financial profile. It is imperative that these accounts be rectified promptly to ensure the integrity of my credit report. Here is a list of the outdated accounts, along with the relevant details : [ Include the list of outdated accounts with dates, amounts, and actions taken ] I kindly request that a thorough investigation be conducted to rectify the aforementioned discrepancies. I expect the unauthorized inquiries to be promptly removed, and the outdated accounts to be updated or removed from my credit report. 

Please provide me with written confirmation once these matters have been addressed and the necessary corrections have been made to my credit report. Additionally, I would appreciate any documentation or information regarding the actions taken by the credit bureau or the respective companies in response to this dispute. 

I appreciate your prompt attention to this matter and look forward to a timely resolution. If you require any further information or documentation from my end, please do not hesitate to contact me at the provided email address or phone number.
Product: Debt collection

My identity was stolen and used for fraudulent accounts. XXXX XXXX XXXX Account number XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Account number XXXX Balance {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Balance {$4700.00} FTC Report Number XXXX
Product: Student loan

I received student loan advertising from Discover that was made to look like a XXXX from the IRS.
Product: Credit reporting or other personal consumer reports

UNKNOWN ACCOUNT REPORTING ON MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting accounts associated with XXXX XXXX Specifically, accounts related to XXXX XXXX XXXX XXXX XXXX, and XXXX are being reported inaccurately, creating a glaring inconsistency that stands as a flagrant violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ). 

The inaccurate reporting involves discrepancies in the information associated with these XXXXXXXX XXXX accounts. Such inconsistencies not only jeopardize the accuracy of my credit report but also violate the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. Section 623 ( a ) ( 2 ) of the FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit reports. 

Experian has violated this section as evidenced by the inaccuracies in my credit report, is a matter of great concern.
Product: Checking or savings account

XX/XX/2022 ; AXOS BANK RECEIVED MY SSA BENEFITS DIRECT DEPOSIT AND ARE REFUSING TO PROCESS IT. sOCIAL sECURITY AND THE TREASURY DEPT CONFIRMED THE BENEFITS PAYMENT WAS INDEED SENT TO AXOS BANK ON THE ABOVE DATE
Product: Credit card or prepaid card

I am attempting to connect to my account through a third party app ( similar to XXXX ), but keep getting a message that XXXX is blocking me from enabling external applications. I called customer service and was told that they do not block any apps.
Product: Mortgage

I fell past due on my mortgage on XX/XX/, and prior to falling past due on my mortgage, I reached out to SPS for Mortgage Assistance under XXXX XXXX forbearance program, which I was placed on, SPS agreed to put me on the forbearance program, and they agreed to help place the amount was past due to the end of the loan under a partial claim program. I was advised, once I was ready to resume making payments, I was to call them to let them know I was ready to do so. 

Unfortunately, SPS advised me to fill out the loan modification assistant package and supply with all supporting documents, which I did, even though under that partial claim program, I was advised that I did not have to submit any documents under the partial claim program, and that the review process under the partial claim was to be document less. 

After waiting several months for the decision and having to supply them with the same repeated documents numerous times, they declined my request for assistance stating the reason that under the servicing the agreement governing the account, that the request for assistance option was not available. 

After again, numerous attempts and trying to get clarification on the denial, SPS refused provided me with any actual information to try to get mortgage assistance on my loan. 

Up to this date they never gave me a reason for denial as well SPS had foreclosure against my property while I was in review for mortgage assistance. 

SPS never assigned a single point of contact exclusively to my case which made it harder for me to receive results from them and I went to the extent to offer a contribution amount towards the past due balance and after all my attempts with SPS, the only option they gave me was foreclosure or short sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get the late and negative things off my credit report