23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I signed up for CITIGOLD promotion XXXX XX/XX/XXXX to earn XXXX AA miles after completing particular requirements. I completed the requirements timely and received multiple written confirmations that I completed the requirements. Months had past and I was never given the earned promotional miles. Then recently, I noticed I was erroneously given the wrong kind of promotional bonus, citi thank you points. I filed a dispute and now Citi says they will not give me the AA miles, the actual promotion I signed up for, because I was given citi thank you points. To be clear, I do not want and never wanted the Thank you points. I want the XXXX XXXX miles that are rightfully mine and have confirmed to be mine on several occasions. I also want to be refunded {$60.00} in bank fees Citi has charged me while I wait for them to fix their mistakes.
Product: Debt or credit management

Lexington law forwarded my information for a disputed payday loan that was done fraudulently. They forwarded the claim after the expired statute and garnished my paycheck for an unreasonable amount. It was removed previously but when I canceled they retaliated and my credit has dropped. XXXX XXXX XXXX has been violating my privacy rights after opting out to this agency.
Product: Credit card or prepaid card

On XX/XX/2021, I accepted a promotional offer from Citibank, N.A., for a " Flex Loan '' for the terms of 24 months at 8.99 % in the amount of {$2400.00}, with fixed monthly payments of {$110.00}. 

On XX/XX/XXXX, Citibank moved my account balance in total ( {$2400.00} Flex Loan + {$2300.00} revolving balance ) from a promotional APR ( previously unknown to me as my account balance is paid in full monthly and no interest is ever charged ) to the standard purchase APR of 19.99 %. 

On XX/XX/XXXX, a payment in the amount of {$3600.00} was made to account by due date. The amount was intended to cover the previous statement balance of {$3400.00} + {$210.00} toward the {$2400.00} Flex Loan balance, with 8.99 % APR for 24 months. 

On the statement dated XX/XX/XXXX, I have been charged interest in the amount of {$59.00}, despite revolving balance being paid in full each month and agreed to Citi Flex Loan terms of {$110.00} ( I have been paying more than this amount ). 

Citi is charging interest at 19.99 %, not the agreed to promotional terms of 8.99 %. 

This case of deceptive advertising and lending practices is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you to request the prompt removal of specific accounts and associated information from my consumer report. It has come to my attention that these accounts should not be reported, and their presence on my report violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I kindly ask for your immediate attention to this matter to rectify the situation in compliance with the applicable laws. Please remove the mentioned accounts and information from my consumer report as soon as possible. Thank you for your prompt assistance.
Product: Mortgage

My dad passed and he had a mortgage with XXXX and we got it out of foreclosure and I sent in everything to assume the mortgage. They didnt complete the work, the money paid after we got it out of foreclosure in XXXX of XXXX  the monthly payment made to them was not going to mortgage payment. Some was but they charged me XXXX for XXXX phone calls. They then sold my mortgage to freedom and it continued downhill. Finally in XXXX I decided to stop paying as I was not getting any written communication with them. I have spoken to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. Was told XXXX that there were 2 system updates and my information wasnt included, a mistake on their part. They have not fixed that mistake and Im still fighting with them to do the right thing. Losing document after document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have previously asked Tower Loan of XXXX, Ms not to call me at my job and they called and left a message that was taken by my coworker. XXXX left a message to give him a call
Product: Checking or savings account

Am Having A Problem i Left My Account with positive {$12.00} XX/XX/year> and then XX/XX/year> they charging me and overdraft again for {$35.00} and i dont have overdraft feature on this account and they still charging me overdraft leaving my account only with {$12.00} i want this matter to be review by the escalation team and for them to investigate why my account is been overdrawn even after having a positive balance on this account this dont me any sense citizen bank is doing error on my account to charge me overdraft for no reason
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 Bureau 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 : Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. 

XXXX XXXX {$25000.00} XXXX XXXX XXXX {$23000.00} XXXXXXXX XXXX XXXXXXXX {$13000.00} XXXX XXXX XXXX XXXX {$9900.00} XXXXXXXX XXXX XXXX- {$29000.00} XXXXXXXX XXXX XXXX- {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30, 60, and 90 days late payments on my credit report and I do not believe I was late on the dates they are reporting. I contacted Experian multiple times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30, 60, and 90 days late since it's a closed account & Ive never been late. Please investigate this matter & update accordingly. 

XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX of this year I requested Navient for information on my account. I noticed that my balance did not match the calculations that I had for the length and amount of the loans. I requested a full accounting of my loan with Navient and filed a complaint with the department of education. In response to that complaint, Navient sent me an statement on my account for what they had as the length of the loan. I received this paperwork dated XX/XX/XXXX. In it it states that there were 10 separate instances of forbearance on my account XXXX, XXXX, and 6 instances in XXXX. I never requested a forbearance on my account. In fact, the payments have been consistent since the loan repayment started in XXXX. I replied to Navient and spoke to several agents about why it was on there. I was told that it was on a voice recorded line. When I requested that recording- they denied me and said that is not their practice. 

I spoke with an agent this week ( XX/XX/XXXX ) to inquire again and she told me that I requested a forbearance in XXXX because my parents were effected by the hurricane. I did not. Because of these false claims of forbearance there is extended interest on the loans I have been paying off since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. : XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Product: Bank account or service

I opened up a Citigold account in late XXXX 2015 when they were offering a promotion for XXXX thankyou points. The terms of the promotion were that in order to receive those points, I would have to open the XXXX account and make 2 consecutive bill payments within 60 days, which I did. I confirmed with XXXX their customer service representatives, on two separate occasions, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. However, just a couple days ago, I received another message from a XXXX customer service representative saying that I was ineligible for the promotion and would not be receiving those XXXX thankyou points. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX thankyou points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.
Product: Debt collection

XX/XX/2023 a company called all my family members and XXXX and they left the same XXXX message stating they knew the individual was associated with me ( XXXX XXXX ) they stated that if I dont answer then they will be responsible. Never sent me any letter or email or call me either but somehow found all my family and close friends and disclosed collections and XXXX XXXX. This company violated my rights! The company is called XXXX XXXX XXXX 

( XXXX ) XXXX XXXX They need to stop calling or I will escalate mater up as needed XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX # XXXX XXXX XXXXAccount # XXXXXXXX XXXXXXXXAccount # XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXXAccount # XXXX XXXX - XXXX XXXX - XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX 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 card or prepaid card

I have reported a charge of {$13.00} that appeared on my Capital One mastercard account as fraudulent several times since I became aware of it earlier this year. I have never used this card, so Capital One closed the account without my consent. While they have reopened the account, they have not resolved the fraudulent charge and have now added late fees and interest. Additionally, since I have not received a replacement card I can activate, I have no way to go online and try to make a payment. They still have my old information from a credit union account I closed two years ago and have been trying to deduct money from it.
Product: Student loan

In XX/XX/XXXX, I took out a federal subsidized Stafford loan. It says in Navient that it 's a variable rate, but I thought all federal loans were fixed? Anyway, the interest rate has doubled each XX/XX/XXXX this year and last ( XX/XX/XXXX and XX/XX/XXXX). Last year when I raised a fuss about it they told me Congress sets the rates, but upon further digging, Congress sets the rates for NEW loans. I do n't understand how they 're doubling my rate each year. I 've never missed a payment, so it 's not punitive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

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 XXXXXXXX Balance : {$19000.00} XXXX XXXX XXXX
Product: Debt collection

I purchased a flip cell phone from a company named Affirm. The phone was defective, and unable to use. I called them about it before the time was up on returns, and they just down played it. Then I went back and brought it to XXXX to see if they could help me get it activated. The man from XXXX told me to bring it back to them, because it had a line running through it were it closed. I had to contact the attourney general to get them to see some kind of resolution. Affirm agreed to look into the matter, so they asked me for abunch of paper work to include a picture of the screen of the phone. They then said I would hear back from them in 27 days? The only time I hear back from them is to tell me I have an upcoming payment, or they will increase my credit. When I call they just say they will get back to me. It has been months, and I'm still paying on a phone I never used. I believe they were trying to sell me a used, refurbished phone. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

HUNTINGTON NATIONAL BANK XXXX This account has always been paid on time. Proof of payments from XXXX XXXX XXXX have been submitted and have been ignored. I need my payment history fixed right away.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is stating too many inquires as a denial and in the last 15 years I have not inquired fir any credit and XXXX Experian XXXX XXXX confirmed this statement is false from XXXX XXXX Amount of bank cards says to baby I only gave 1 bank account With one debit card again false reason Amount of credit available in bank cards I have no bank cards only a debit card which is my money again falsely stated by XXXX XXXX XXXX XXXX ran my credit 2 times one without my consent the same week. My credi was locked I actually called them to faster u received a call that I needed to contact them. I was told to unlock my credit and then they would check on my application. I asked specifically if my credit would be pulled I was told no! Recorded lines!!!!! 
Next day alert from Experian my report has a change! Now I have 2 inquiries in the same week. This is illegal and damaging. I called Experian and because I caught it the sane day they removed one inquiry. 


Still not thinking I would be declined I called XXXX XXXX which did not know I had the inquiry removed said they would correct their mistake and have the one inquiry removed and review my application! 

Careless because I had the lick removed and there should not be a second inquiry or a denial I want proof as to how they are showing too many inquiries What number and name of bank account they are referring as too many open And explain what amount of credit available on open bank accounts they are stating I have almost XXXX percent in used available credit which is good. They must not understand what available credit means My score is XXXX excellent in every scoring.. 

Need the inquiry removed because they are not even skilled at reading credit scores. They are intentionally responding with the same reasons that are false. They need to study what they are doing and understand how credit reports read!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle loan was financed through XXXX XXXX starting XX/XX/XXXX. About 7 months or shorter into the having the vehicle someone stole and totaled the it. After several months of unanswered questions by XXXX XXXX I was finally able to pay off the vehicle in full. Fast forward to today I noticed they marked this as a charge off in XX/XX/XXXX. I have not been able to get any answers as to why this is marked as a charge off. The charge off needs to be removed from my credit report because I had nothing to do with someone stealing and crashing the vehicle. I should not be penalized for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is violating the law by taking dropping your score if you dispute accounts that do not belong to you. I am currently disputing several accounts that are inaccurate or do not belong to me. I feel they are doing this because there is a glitch in their system that they refuse to fix that does not allow on line disputing. The accounts that are currently being disputed need to be removed and my points restored to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute a charged off credit card account on my credit report that I believe is inaccurate. The charged off account was opened with XXXX XXXX XXXX and was charged off in XX/XX/2022. 

I believe that this charged off account is inaccurate because the creditor 's failure to provide a monthly statement, incorrect reporting of the balance due, to top it off they are also reporting this account 2 separate times on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge... XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}. 
XXXX XXXX XXXX XXXX BANK XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

having issues getting my reports as well as opting out of some screening.
Product: Payday loan

i applied for a loan in 2011 and due to my credit i was denied a loan. i am now receiving phone calls from a mediation services scompany telling me that i had money deposited to my bank account which was not open during the time they claimed they deposited money and asking me to pay them XXXX dollars for the charge to be filled. I requested the company 's address and information and they hung up on me various time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been speaking with Transunion for over 5 months now. I have disputed a XXXX  XXXX Bankruptcy that was removed from public records and should have been removed from credit report. Each time I speak with Transunion and dispute it they say it came back verified and accurate through XXXX. I advised them that XXXX sent me a letter showing bankruptcy was not verified and removed. I also sent them a letter from XXXX providing them the information that they requested. I even had them on a 3 -way call with XXXX and the rep confirmed that there was not a bankruptcy through public records and was removed. There was also another account with XXXX XXXX XXXX who was reporting inaccurate information. I spoke with creditor and they advised me that they are not able to change status and that reporting agency would need to remove it. I called Transunion and spoke with them regarding issue. From there they disputed it and came back with verified and accurate which was no accurate. I have given them proof item needed to be removed and has not been updated. They continue to keep information on report that should be removed. This is my last attempt to have them remove the account if not then I will seek legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I called Barclay customer service. I explained I have an inactive account and wish any personal data retained on file to be deleted. The representative kept repeating the same comments over and over that my account was closed. After XXXX minutes she finally comprehended any put me on hold ; within seconds the call was terminated. 
XXXX I called the XXXX and followed the prompts to the fraud/security dept. Again I explain, " I am requesting my personal information to be purged. I do not wish my info to be retained. My info has already been involved in a data leak from another financial institution that I no longer engaged in their services. '' Barclay Rep replied, it is not their policy.
Product: Credit card or prepaid card

Wells Fargo closed my credit card account which Ive been a member since XXXX. This happened in XX/XX/XXXX due to the fact that my ex wife filed XXXX. I was not aware or did not remember her being on this account as we were married for 34 years I was never notified by the credit card company that they were going to close the account until we went to use the card for a purchase for a business.they damaged my credit score by closing this account. I have tried to contact the company Multiple times XXXX. I was given a XXXX XXXX and a XXXX XXXX names but neither one of these people will return my call and speak with us. I am so aggravated and its not that I need that credit card but the damage to my credit standing from them closing this account I never filed bankruptcy I was never late I always paid my bill, always on time. If not ahead in for this company to just ignore us like we dont exist, has fired me up, especially the damaging of my credit is unacceptable. I want to hear from these people because they need to rectify their mistake. And compensate me for the damages to my credit Thank you.