23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX. I went to XXXX and XXXX XXXX  on XXXX XXXX in XXXX, Ky. to use the ATM to get XXXX offer my prepaid American Express Bluebird card. The machine made noise like it was counting money out but never dispensed the XXXX dollars. I the checked my bluebird account online and they had subtracted the XXXX off of my account even though it did not give me any money. I have contacted the bank and they would not do anything until the got something from my financial institution. I then contacted Bluebird and they have hung up on me after waiting on hold several times, and say I have only 10 days to dispute the transaction in writing they provided with a link to a dispute form and then a link to send it to. I filled the form out and tried the link they sent me but it has no place to send it to I then called them again and they gave me an incorrect email to send it to I found another American Express email and sent it but they have not responded. This is the account I have my payroll check direct deposited on
Product: Credit reporting or other personal consumer reports

I disputed certain addresses and phone numbers on my credit report that were wrong or were not mine and every single time I get the dispute back saying they updated the information or deleted the address or phone numbers it comes back as the wrong addresses or phone numbers. I have proof of this and took pictures of the dispute report and those are not the addresses and phone numbers I disputed in the first place. It's like they made them up cuz I've never seen those before.
Product: Credit card or prepaid card

Barclays bank XXXX XXXX credit card. 

online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity. 

I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES. 

Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

On XXXX, I received an advertising email from Citi Bank offering me a new Credit Card in their XXXX XXXX AAdvantage program ( see attached Citi_Invitation_Email.PDF ). The biggest bonus is to earn XXXX XXXX XXXX Frequent Flyer mile if I spend {$3000.00} in the first three months of account opening. 

On XX/XX/XXXX I follow the instruction of the email and applied. The application was approved the same day ( see attached Citi_Approval_Email.PDF ). 

Three months went by, I spend more than {$3000.00} with the card and I have not received the XXXX bonus miles. I connected their customer support and filed a dispute. On XX/XX/XXXX they inform me the reason why I have not received the XXXX miles bonus is because Terms and condition state Acquisition Special Offers will not apply if customers have existing accounts in the same product approved or closed within last 24 months. ( see attached Citi_Account_Mail.jpg ). 

It is true that I had a similar card ( already cancelled prior to XXXX but within the last 24 months ). 

My dispute is as follow : 1. Why would Citi Bank send me an invitation to a program that I am not qualify? 
2. Why would Citi Bank approve my application if I am not qualified for the program? I post this question to Citi Bank ; their answer was that my credit qualifies for the card but not the bonus. 
3. Why would Citi Bank not inform me of this problem upon approval?
Product: Credit card

On XX/XX/XXXX, I received an email from XXXX through XXXX  XXXX saying that the lender reported that I opened a new account with them, so I went to XXXX XXXXXXXX and saw that this information came from XXXX. Therefore, I logged onto XXXX to check, and it showed a new account opened on XX/XX/XXXX, with a balance of XXXX. I could not contact XXXX because their operating time was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called them on Monday, XX/XX/XXXX, to dispute this new account because I never opened a new account. Also, my credit is on lock with XXXX, so if anyone were to open an account, they shouldn't be able to do so unless it is unlocked. The rep checked, and my credit has been locked since XXXX, so I don't understand how anyone opened a new account. I had to call the creditors, and Citibank kept transferring me. Finally, the last person gave me a number for XXXX because this is the account that was opened, as it states on XXXX, and after checking they gave me the XXXX XXXX XXXX to file a complaint.
Product: Bank account or service

On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Bank of America again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Bank of America needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. 

Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX XXXX and its showing late payment on XX/XX/XXXX and XX/XX/XXXX. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. It has been two months and I still haven't received any results of any investigation.
Product: Student loan

I 'm a former student at XXXX institution in florida. The actual location of the building was XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was a XXXX XXXX student and I was one of many students that were in the program as the school was getting ready to be sold. At first they told us that it would not affect the students and we would be able to finish with total help for job searching, but as the the classes went on the school was finally sold and yet the same instructions was instructed meaning we were able to finish. Toward the few months of the program the school kept changing the schedule and started to rush teachers on finishing their program. The school laid off a bunch of employees one by one even one of our own teacher in the program. Soon close to finishing class there were only XXXX financial officer which was n't the one that help me during the beginning with my student loans and financial aid, but she kept on telling me that I owed money to the school and that I was n't able to graduate until I got it settled. I had recalled telling her that I had taken cared all my financial situation before I went to clinicals. Which needed to be done in order to go into hospital to follow clinical rotation. But she kept insisting and said that she ask for a loan and she 'll send a letter requesting it but she never followed up when I try to reach her and eventually she was laid off before we got it settled. The school had handed me the diploma but i felt like they were just rushing the students to get finished and that they did n't care for us at the end. I did n't even received help from the career services that was required in the program. Come to find out that the teachers that were teaching at the school had gotten jobs at the hospital where we had attended clinicals. So instead of the students who paid and took out " loans '' for school, never had a chance of getting a job that they were promised in the beginning of the program. I feel like I wasted a year and $ 20,000+ for no reason and I feel like these loans from these private place like Genesis and others, should be discharged because of the false advertising and promise that XXXX College made but decided to take our money and up and leave the students to look for a job on there own after being rushed out. Yes, we got diploma but we need help with Interviews and Job searching which were all included and promise but never fulfilled by the school that closed on us.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report this late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

I have two addresses on my credit report that I do not recognize. I have never lived at these two addresses. 

They are : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX I would like these addresses removed from my credit report. I have never lived at these addresses.
Product: Vehicle loan or lease

Our 3-year lease with Mercedes Benz Financial on our XXXX XXXX expired on XX/XX/XXXX. We decided to purchase it and signed a loan with XXXX XXXX XXXX XXXX  on XX/XX/XXXX. We were in an accident and totaled the car on XX/XX/XXXX. Mercedes Benz Financial told me by phone that they received XXXX XXXX XXXX XXXX  's payment on XX/XX/XXXX. 

XXXX XXXX, our insurance company, determined the car was a total loss. However, they can't settle the claim because Mercedes Benz Financial has not transferred the title. For 3 months now, I have been making payments on the XXXX that I no longer have. My husband is still hospitalized as a result of the accident and I have to drive our XXXXold truck because the insurance claim can't be settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15USC1681 section 602a states " 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. " XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer XXXX have the right to make sure my private information isn't shared which is backed by 15USC6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or other wise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again with out my permission which is against the law 15 U.S 1681s 2 ( A ) ( 1 ) A states '' 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. 15U.S.Code168 1estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX and Experian are not maintaining reasonable procedures. Also 12CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services.
Product: Debt collection

Received notice in the mail around XX/XX/2020 and received other notices after that on later dates, from Midland Credit Management XXXX Inc. A company I've never heard before and never did any type of business with, but they continued to send me threaten letters violating my rights as a Consumer in many ways and telling me I owe them {$1800.00} and how they were forwarding the account to an attorney for litigation if the account isn't resolved by XXXX. Again I don't even know of this company for them to even send me any kinds of mail from them, from the start threatening me into paying them for anything. I don't even know how they got my information. I responded by mail between XX/XX/2020 or XX/XX/2020 through Postal Service, asking them to Validate the debt they claim I owe them pursuant to law 15 USC 1692g ( b ) as a Consumer. On XX/XX/2020, I received a response follow-up from them acknowledging they received my dispute/validation request for the alleged debt. Along with another form that was blank on both sides, as a response. Midland Credit Management , Inc. failed to provide proof of Validation.
Product: Credit card

This complaint is in regards to the XXXX XXXX Costco credit card migration to Citibank Visa credit card. My card was not ported to Citibank Visa. Several months ago I took a call from an XXXX XXXX representative who asked if I wanted the new XXXX card or be migrated to Costco. I was very clear, directing that I do NOT want a new XXXX card and to migrate the account. No further information or contact was exchanged - until the new XXXX card was received in early XXXX. I did not activate the card, as per ALL of the Citibank and Costco communications expressly stated that ALL XXXX Costco cards were to be migrated to Citibank. All communications stated very clearly that XXXX Costco card holder would not need to do anything, and that a credit review would Not be performed. 
When the new Citibank Visa card was not received, I called Citibank on XXXX and was told that Citibank will not have XXXX account information until XXXX - and " do n't worry, you will get the card ''. When the card was not received, I called Citibank on XXXX. I spoke to a representative and a supervisor and was told that not all XXXX accounts were ported and to call XXXX XXXX. Citibank informed that not all accounts were ported and that I would have to apply for a new card. I called XXXX XXXX and spoke to a representative and a supervisor. I was again informed that not all accounts were migrated. I was also told that XXXX XXXX sent XXXX letters in XXXX ( 5 days apart ) informing that my account would not be migrated. Neither letter was received - although miraculously the new cards were received. XXXX XXXX would not tell me WHY my account was selected to not be migrated - only that they used internal criteria. 
I am extremely angry : - This is deceptive advertising. Every communication provided by Citibank and Costco stated that EVERY account would be migrated, and no credit reviews would be done. Absolutely nothing indicated that some accounts would be selected for exclusion. 
- XXXX XXXX ' actions are discriminatory and appear illegal. 
o They selected individual accounts to not migrate and will not share the criteria with the account owner. It is due to being an older American? A higher income level? Female? 
o Contrary to their claims, XXXX XXXX did not provide communication of their actions. In fact, they did not adhere to my direction to migrate as provided to their representative. 
- Why should my I need to apply for a new card and incur a credit pull, when most accounts do not? It is discrimination to apply different rules - which are NOT communicated. XXXX XXXX decide who is impacted.
Product: Credit card

I have filled out a XXXX form for Genesis Financial Solutions, and the IRS accepted it on XX/XX/2024 This form has now become a certificate of indebtedness and is considered income. Companies generally discharge their debt by XXXX of the following year. Once the debt is discharged, it is illegal to try and receive payment again. Please update my accounts ending in XXXX and XXXX and mark them as paid as agreed by all third-party agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681. accordance with the fair credit reporting act Equifax is govern by 15 USC 1681 and the they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting inaccurate information on my credit report and is causing a lot of hardship. I contacted them via certified mail to dispute inaccuracies and they continuously send me letters that the accounts are verified when I request proof, but they refuse to remove based on some nonfactual information.
Product: Credit card or prepaid card

I booked an XXXX stay from XX/XX/XXXX to XX/XX/XXXX, and canceled the reservation with the host agreeing to provide a refund. Unfortunately, I haven't received a refund or statement credit, so I filed a dispute with Bank of America. 

Bank of America provided a credit on XX/XX/XXXX, and said it would be permanent if the merchant didn't respond in 60 days. I receive a letter in the mail on XX/XX/XXXX, more than 60 days after the dispute was filed, asking me to send additional information with a XX/XX/XXXX deadline. 

I send additional information and am told the claim is closed because I didn't meet the deadline. I keep calling back and finally convince someone to extend the deadline, but after sending in all my information, I am told the bank considers the claim closed and won't consider my side. At every step of the dispute, Bank of America has either changed the timeline or provided unfair deadlines.
Product: Credit reporting or other personal consumer reports

Equifax ; has the same car loan posted twice, from XXXX XXXX XXXX, the Credit Union posted the same loan twice with different dates and amounts owed. Both loan posting for the same car are over XXXX XXXX XXXX, the Credit Union changed the date and amounts and reporting times to keep loans posted on my report and Equifax after 4 disputes still has not removed both posting from my credit report. 

( XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Michigan XXXX - XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of fraudulent accounts on my credit report, which constitutes a clear violation of the law. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances by the banks were provided over the phone that the accounts would be promptly removed. I have previously sent a request for debt validation for several items listed on my credit file. However, I have recently received a response proclaiming the debt has been verified. I request a reinvestigation per FCRA 611 and that proper method of verification also be included with your response. Moreover, XXXX and XXXX no longer reports these accounts on their bureaus after the submission of the required FTC report. I am curious on what kind of method of verification and investigation you did to continue reporting these accounts on my report by your bureau. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX