23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The reason for my complaint is because I have requested for Advanced resolution service to freeze my file on several occasions and they have not frozen or responded to my written request. I need my file frozen ASAP
Product: Credit reporting 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 three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Want to file a CFPB complaint against Chase Bank Credit Card Services for misleading, confusing, and unexplained interest rate increases that dates all the way back when I open my credit card account on around XX/XX/XXXX. I also, reach out to Chase Credit Card Services numerous of times between XXXX and XXXX to try get assistance for forbearance or secured credit card insurance plan due to my annual income being cut in half but was given the runaround and Chase Credit Card Services was not able to assist me properly at getting a forbearance or secured credit card insurance plan. So therefore, I tried one final attempt to reach out to Chase Bank Credit Card Services around XX/XX/XXXX for assistance at getting a forbearance or secured credit card insurance plan but again was given the runaround again. So then I was forced by Chase Bank Credit Card Services to file XXXX XXXX  Bankruptcy with XXXX  Attorney of XXXX Texas because Chase Bank Credit Card Services didnt properly assist me at getting a forbearance or secured credit insurance plan. So therefore, I feel Chase Bank Credit Card Services should refund me half my attorney fees and XXXX XXXX Bankruptcy fees which is around {$40000.00} to {$45000.00} dollars that dates all the back to XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy on my Consumer Report that must be removed. I have sent multiple letters to get this issue resolved and i continue to be violated and ignored. I sent letters to XXXX, XXXX, and transunion. Along with that, I sent a letter from bankruptcy court and XXXX that stated they dont report any information, especially personal information to credit bureaus. Also, i sent the letter from XXXX XXXX to them that shows that the bankruptcy will deleted and removed from there data base. SO where are they getting this false information from to report?
Product: Credit card or prepaid card

I received a solicitation email from Citi Bank in XXXX of this year to open up a new Citi Rewards Card with a promotional XXXX Bonus Points upon spending {$1000.00} within the 1st 3 months, of which I did spend on the card in XXXX and I did indeed receive the Bonus points on this new card. This 1st Rewards Card was approved and activated in XXXX. 

However, in XXXX I received an additional 2nd offer email from Citi Bank of invitation to open up an additional Rewards Card with the same XXXX Bonus Points Promotional Offer also included in this 2nd email. I clicked the OK and was also approved for a 2nd Citi Rewards Cards with the same documented promotion. I was approved, received, and started using this 2nd card in XXXX and achieved the spending {$1000.00} in XXXX which qualified me for the this card 's XXXX Bonus Points. I did not though get the Bonus Points on the 2nd card in a timely fashion, so I called Citi Bank on XX/XX/XXXX at XXXX ; Rep XXXX told me that " I achieved the {$1000.00} on XX/XX/XXXX and that " I would indeed get my Bonus Points for that 2nd card in 4 weeks '', but I didn't get them? So I called Citi back on XX/XX/XXXX at XXXX and the Rep told me that she would put in a request and I would here in 2 days, however I have not heard back like she promised, nor have I gotten the XXXX points on this card as promised either. This was contractual and I spend the {$1000.00} in consideration, please force them to make good and reciprocate on their offered XXXX Bonus points as was included in their solicitation. Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account information with XXXX and XXXX XXXX and TransUnion. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to XXXX XXXX and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from annual credit report today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the month and day of my birth date wrong, is listing two names not associated with me, and is listing my previous address as my current address. I tried to dispute these errors online on XX/XX/2019, but the website responded with a " not disputable '' error message for each. 

I tried calling, but could only reach a robot. It is impossible to speak with a person regarding the errors in my account.
Product: Credit reporting or other personal consumer reports

I solicited life insurancy policy quotes from XXXX on XX/XX/2024. They denied my application on that same day via phone with no explanation except that they had used Milliman IntelliScript XXXX XXXX. 

I submitted a request to Milliman IntelliScript for my Consumer Report on that same day, XX/XX/2024, via their website here : XXXX XXXX XXXX XXXX  report I have so far received no report from Milliman. When I contacted them at XXXX about this issue more than 30 days after my request for the consumer report ( which I have a screenshot of submitting ), they simply requested the same information again in a form email. 

It has been almost XXXX  days and I have not received anything from Milliman about my consumer report. I am unable to get a life insurance quote now without knowing what erroneous information Milliman has in my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear Experian Dispute Department : I am writing to dispute an unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b, credit reporting agencies are only allowed to provide consumer reports for specific and permissible purposes. This law protects consumers from unauthorized inquiries that may negatively impact their credit scores. 

I have identified an inquiry on my credit report that I do not recognize or authorize. This inquiry does not meet the permissible purposes outlined in the aforementioned law and must therefore be removed from my credit report. This unauthorized inquiry could be unjustly damaging my credit history. 

I request that you investigate this unauthorized inquiry and remove it from my credit report. I have attached a copy of my credit report with the disputed inquiry highlighted for your reference. 

According to 15 U.S.C. 1681b, a credit reporting agency may only share my report under the following permitted circumstances : In response to a court order. 

With my prior written consent. 

In connection with the extension of credit, employment, or insurance, provided that I initiated the transaction. 

If the disputed inquiry was not conducted under any of these conditions, it must be removed immediately. I request a written response confirming the removal of the unauthorized inquiry. 

I look forward to your prompt attention to this matter. Please do not hesitate to contact me if you need any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681b Permissible Purposes of Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines the circumstances under which a credit reporting agency may provide a consumer report. The permissible purposes include : In response to a court order. 

With the consumer 's written consent. 

In connection with the extension of credit, employment, or insurance, provided that the consumer initiated the transaction.
Product: Checking or savings account

Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the XXXX day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 150 days since I open and funded the accounts as required, and more than 40 days have passed since the bonus was supposed to have been granted to me. 

I have called and messaged Citibank 4 or 5 times, each time, the Citibank Customer Service Representative says I qualify for the bonus- they are just slow in issuing the promotion - and to call back in 5 business days. Each time I call back - there is no progress on my dispute. 

A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, XXXX XXXX XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX- who assured me that I qualify, that this was a mistake, and a new case was opened by Citi and I was assured it would receive escalated attention in 5 business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. 

I have now spent 4-5 hours on the phone or chat with Citibank with no progress - even after escalating to supervisors ( XXXX and XXXX ) XXXX 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring their advertised promotions.
Product: Student loan

Student loans keep adding interest and forcing every year for forbearance every year.
Product: Credit reporting or other personal consumer reports

i called to settle the debt and when they said where the account was opened I knew that it wasnt my debt because it was a address that I never heard of in XXXX Texas the account was opened in XXXX but I been living in West Virginia since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX Account name XXXX XXXX # XXXX Account name- XXXX  # XXXX account name-XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights 15 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 make make any consumer report containing any of the following items of information any other adverse item of information, other than records of convenience of crimes which antedate 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: Vehicle loan or lease

this relates to Honda Financial Services for my lease of a XXXX XXXX XXXX. My account now shows a fee for {$430.00} online. There is no explanation there for the fee. I got a letter dated XX/XX/XXXX saying that they paid a traffic or parking violation on the vehicle for {$200.00} ( no info on the rest of the amount ). I never got any such a violation. I have had this before on my last XXXX XXXX lease, where I called and complained several times but got no relief and I could not fight back because they would call the lease, add tons of interest and penalties ( also without explanation ) and threaten my credit rating. I paid hundreds of dollars on that lease to avoid trouble.I don't want to get hit again. Also they must do this to all vehicle lessees, hurting hundreds of people who can't fight back. What happened then, and I think now, is I drove through electric toll booths without XXXX or other automatic payment, and you can't pay with money anymore, they take a picture of your plate and send the toll bill. But the toll authority sends the bill to the registered owner of the car, that's XXXX, not me, the driver. I never got the bill. Honda doesn't forward the bill to me or tell me about it. And they don't pay it when due, so it accrues hundreds of dollars of fines from the toll authority. By the time Honda pays it, it's hundreds. Then Honda bills me for the toll and all the penalties. If they sent me the bill, I'd pay it right away, or if Honda pays it right away and then bills me the original amount I'd gladly pay it. but this could cost me thousands of dollars for all the times I went though tolls. Also the only way to communicate with Honda Financial is by mail. they don't have email or a way to message on its website! There is a phone number, but it's a scam. I've waited over an hour on hold before giving up, nobody answers or wait times are often an hour or more.It 's a nightmare.
Product: Student loan

FedLoan Servicing is handling the student loan refund in such a chaotic way. I called first on XX/XX/22 to request a refund. They said they put the paperwork in for around XXXX ( what I paid during covid only ) and it will be 30 days. Apparently they have an automatic voice recording of when you filed for the refund and mine said my application was never filed. 

I called customer again on XX/XX/22 and filed another refund, but this time she said it will be a refund of XXXX, all that is eligible for the student loan forgiveness. Then I inquired more about the cutoff date for refunds since I read that it is only for what was paid during covid suspension. 

I spoke to like XXXX different customer service representatives that day and they all gave me different answers to my refund.
Product: Credit card

Recently, Costco terminated their agreement with XXXX in favor of an agreement with Citibank. Without customer authorization of any kind, they opened a new account and issued a VISA card. I had no balance on my XXXX, as I do n't carry a balance so there was no outstanding balance to transfer. I did not activate the card, but I went to Costco - and told them I did n't want a VISA. I got a regular Costco membership card ( with no credit features ) and destroyed the Citibank VISA I had received. Then, Costco charged a membership renewal fee to the VISA card ( that I destroyed and told them I did not want ). When I called to complain, they said it would take XXXX16 business days to remove the charge, so I could pay the membership fee in cash. That would cause a late fee on the Citibank VISA card, as 14 business days is after the due date - even though I called as soon as I got my statement. Costco should not have been able to issue a credit card that was not requested, activate it XXXX to charge a membership fee ), and fail to cancel it upon notification that I did not want the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called TransUnion, spoke with a dispute specialist regarding unauthorized inquiries on my credit report. She was unwilling to open a dispute & remove these items. 

XXXX XX/XX/XXXX XXXX XX/XX/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 early XXXX, XX/XX/XXXX and on XX/XX/XXXX. I have sent in three FTC/Identity Theft reports, along with the Account Name, Account Numbers and Inquiries that do not belong to me. TransUnion is allowing a XXXX XXXX XXXX ( {$300.00} )  and XXXX XXXX ( {$500.00} ) to continue reporting on my credit file. I do not know where they originated from and I DO NOT possess an inquiry for either account. I have submitted these accounts as fraudulent, sending in the proper documentation and XXXX and Equifax are refusing to remove them. XXXX  is the ONLY bureau that fixed the problem, immediately. Prior to this situation, my credit was stellar and now, both accounts are reporting as late payments and my credit is being ruined. I need this fixed, as soon as possible. 

I did recently move into another apartment, I am not sure if some of my information was stolen. In the past.
Product: Credit reporting

I have never filed bankruptcy and was out of the country for a period of time. I realized bankruptcy entries on my report and contacted Experian to verify and delete this entry. They refused and asked me to contact the court. I called them and they advised they did not send this data or verifying this information. I believe they are relying on third party information that is inaccurate. I asked them for a method of verification and they have refused. After multiple attempts, this is my last attempt before I pursue legal action in the courts for their continued willful non-compliance that has caused me harm FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states : " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' Since they claim to have verified this with the courts ( the original source and where they need to verify ), I am requested this information within the timelines stated by the FCRA. 
I am attaching a copy of the courts response and their stance on credit reporting. I expect them to furnish the CFPB as well with this information so they do not disguise a letter as sending it to me directly. I want this documentation for the record in case of a legal action.
Product: Credit card or prepaid card

Placed order XXXX, told merchant via three different contact methods that XXXX could not deliver the package due to the pandemic. Tracking proof proves that merchant requested an interception of the package. As of XX/XX/2020 XXXX is attempting to return the package. Simple, item was never delivered, my account should be credited for the purchase of {$1300.00} dated XX/XX/2020 on the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid someone {$180.00} out of the balance of my XXXX Account. In order to get the money out of my account I had to connect another financial institution to my account ( which I was not aware of when I created the " free '' account ). I am not comfortable giving these companies my bank information, so I linked my Citibank account. 

Today, in looking at my statement with Citibank, I see that I was charged a {$10.00} " cash advance '' fee, plus {$2.00} in interest. In addition, it looks like XXXX charged my {$5.00} as well. I was never made aware by either XXXX or Citibank that I was going to be charged any fee for this transaction. When I called Citibank they told me this was " customary '' for this type of transaction, however, again, it isn't customary for me and I was not made aware. 

When I tried to close my XXXX account they said I needed to link a bank account to close the account -- I'm not sure why, but I'm guessing it is to collect this {$5.00} fee they never told me about. I don't want to use this company and don't want people depositing money in XXXX that I can not access without a fee. 

I feel like charging these fees without making the customer aware at all is incredibly deceptive. I must be the only one who thinks so because it is apparently common practice, but I would like to see the government offer protection against these huge financial institutions against such deceptive practices. I have a business degree and my husband is a XXXX XXXX, if they can deceive me I can only imagine what they can do to people far less informed.
Product: Debt collection

On XX/XX/2021, Lakeview Loan Servicing ( XXXX XXXX XXXX ), without authorization, took {$2000.00} from my Personal Bank account. On XX/XX/2021, the same company took from my bank account the regular authorized monthly payment of {$1500.00}. I discovered the issue on XX/XX/XXXX, and contacted XXXX on XX/XX/2021 so they could refund the unauthorized funds. However they opted to begin an " investigation. '' I spoke to the company last Friday and they instructed me to contact them on XX/XX/XXXX so I could be given the results of their fraud investigation. 

This is the second time the company has taken this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 companies pull my credit report in the last year, XXXX reported to my car insurance that I had too many credit inquiries. That is outrageous! 2 credit pulls in Order to refinance our mortgage. Also, that my oldest credit account has been open for a short time. Also, outrageous. I have had my credit accounts for years. Also, insufficient time since last retail account. Also outrageous. I have had my retail accounts for years. I use the same two credit accounts when I shop and pay the balance in full each statement. I want this fixed. I have a score of XXXX and I have a credit monitoring service. I want these errors on my report fixed.