23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, Although this is an isolated event with my Best Buy credit card regarding a credit limit increase, the real issue is industry standardization around credit reporting inquiries. At some banks, it is a soft inquiry for credit limit increases and at other banks it will be considered a hard inquiry. As a customers, that is so unfair. Yes, it should be a hard inquiry when first applying to get the credit card but for a credit limit increase? Especially in my case, I have been a customer for over 10 years with a great payment history. Credit limit increases should be standardized as a soft inquiry by all financial institutions. The hard inquiries over and over to our credit report just do Not seem fair and just - as I mentioned the financial institution can see your payment history with them already as established customers. Its redundant. 

Thank you, XXXX
Product: Mortgage

Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.
Product: Student loan

On XXXX separate occasions I spoke to customer service and loan resolution " experts '' even taking over an hour of my work time to go through financial details in order to work out a plan for some sort of loan repayment. 
I was told I maxed out my in school loan deferment- even though I am still enrolled in school full time working on my XXXX XXXX XXXX. At one point I had to conference call my co-signer who is now an elderly woman living on a fixed income. The account resolution individual was so rude to my co-signer he made her cry multiple times. 
His resolution was nothing. Nothing changed, he demanded payment in full each month and offered XXXX resolutions even knowing that I am XXXX XXXX XXXX and XXXX XXXX- with an elderly co-signer on a social security fixed income. 
Sallie Mae even after going through these processes continues to call XXXX to XXXX times a day and mails letters reporting the account past due and delinquent. I have talked to everyone offered " who may be able to assist me '' with zero assistance and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached document for full details of complaint. Experian has failed to conduct a proper investigation and I am demanding a full description of the procedures used to substantiate the conclusions of their investigation into the following accounts : XXXX XXXX XXXX ******* I am preparing to take civil action if this request is not handled properly*****
Product: Credit card or prepaid card

I called Comenity bank for a XXXX card that was opened in my name. When I called the said they sent it to a collection company and they gave me the info. I call the collection company and they said i had to send in the info proving identity theft. So I mailed it to them and I was waiting for it to be removed and they updated it making my score drop a lot by doing that!!! I am very upset and need them to take care of this!!! 
The name of the agency is XXXX XXXX.
Product: Checking or savings account

I opened Citi Priority checking and savings account because of the Citi sign-on bonus promotion in XXXX. In XX/XX/XXXX I called Citi and they confirmed that I have met all the requirements for the bonus. 

Shortly after this call, the next time I checked my account online, my savings account no longer exists. Multiple calls ( about 15 of them ) led me to the fraud department with conflicting messages but ultimately told me that the account is blocked and that I can only " wit until the review is done '' for undetermined time. There is no supervisor or anyone with authority in any of the calls who can tell me the reason of the closure and a way to speed up the process because it is being processed by the " back office '' with no possible contact, even by the fraud department. During those calls, no one offered me to do any type of verification process which I believe is the only way to verify and unblock the account. 

At this point, not only I have lost access of my own money which I desperately need, I also have lost the opportunity to earn a higher interest on the money, not to mention the time I spent on the phone with Citi. In addition, because I am in need of the fund, the situation forced me to take a new loan which costs me interest/transaction fee. 

Other customers with similar complaints can be found here ( and also in XXXX  website ) : XXXX : XXXX? XXXX https : XXXX Update as of XX/XX/XXXX : I have made a complaint through XXXX  ( Complaint ID : XXXX ), and the responses from Citi have been very unprofessional and unsatisfactory : 1. The first response was to extend the response deadline for another 14 days.

2. The second response referred me to their original letter and instructions, which I clearly followed until I reached a dead end. This shows that they did not read the original complaint.

This seems like a fraud at two different levels : FALSE ADVERTISING and WRONGFUL ASSET FREEZING. Was the sign-on bonus jus
t a way for Citi to lure customers into putting money in their account, just to freeze it with no proper communication to the customers and with no proper process ( it has been 30+ days since the fund was blocked.
Product: Credit card

My XXXX XXXX credit card had a limit of $ XXXX upon opening acct in XXXX. I have never been late & always paid more than the minimum payments. Suddenly, in XXXX they lowered my limit to {$700.00} which was about the same as my balance. The reason for this was stated as I had too many credit card accts, & I did not have a mortgage they could verify. They are correct on that I do not have a mortgage, I inherited my home from my XXXX & it is fully paid for & I am the sole owner. I also have XXXX other accts with Synchrony bank which are XXXX, XXXX, XXXX. They also lowered limits on these for apparently the same reasons. I have since paid off {$8000.00} or more on these XXXX accts in the last year making my combined balances less than {$2000.00} when the balances owed had been about {$11000.00}. My credit score is XXXX or above, although that seems to fluctuate daily like the wind. I have about 20 % usage compared to limits on all my credit cards combined which I am told is great as long as you are less than 30 % usage. I tried to call & speak to someone again today XX/XX/XXXX & they told me to contact the credit bureau then they hung up. That is nonsense as the credit bureau has nothing to do with increasing credit limits. There is absolutely no reason they should not approve a credit limit increase from {$700.00} to at least half of what it was in the beginning. That number would be {$3000.00} as the limit was almost {$6000.00} upon opening this acct.
Product: Student loan

An identity theft report was filed by me on XX/XX/2023 stating that this account was opened without my consent, and that the balance on the account does not belong to me. Sallie Mae responded with contradictory information riddled with discrepancies and used that inaccurate information to claim that the loan was opened by me. I responded with a letter pointing out their numerous inconsistencies in their validations, and even sent a copy of a letter from the University where they claimed the loan was used that confirmed I was not in attendance during the term the loan account was opened. They responded with a letter stating that an investigation would be reopened, however they have not made any attempts to remove the account from reporting to the bureaus, which is in direct violation of the provisions set fort within the FCRA specifically 15 USC 1681 s-2 ( a ) ( 6 ) ( b ). Furthermore, Sallie Mae is in direct violation of 15 USC 1681 s-2 ( a ) ( 1 ) ( A ), since evidence of errors have been brought to Sallie Mae 's attention, and Sallie Mae has sent a response stating that they are investigating these errors, that is evidence of knowledge to these errors. This provision prevents the reporting of known errors. Additionally 15 USC 1681 s-2 ( a ) ( 1 ) ( B ) prohibits reporting after notice and confirmation of errors This is yet another provision in which Sallie Mae is again in violation of. If these errors are not remediated immediately, I may have to take it upon myself to pursue legal action.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report. Please block and remove all information from my credit report and send me an updated copy of the credit report. Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX This account is a result of identity theft. 
XXXX | XX/XX/XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, This account is a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

I XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX  XXXX, MN XXXX Account # : XXXX NATLCRSYS National Credit Systems , Inc.. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I have never signed a contract with this company. I have contacted the company and they can not provide me with a wet signature singed contract. In accordance with the FCRAS Fair credit reporting Act. XXXX XXXX XXXX has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ), ( 5 ), 15USC 1681s 2 ( A ) ( 1 ).
Product: Credit card or prepaid card

My citibank card is holding me accountable for fraud that occured. I immediately let Citibank know about 4 fraudulent charges on XX/XX/XXXX. They properly claimed 3 of the charges were fraudulent but made me responsible for 1 of the charges and let me know I'd be responsible for the charge on a letter dated XXXX XXXX, XXXX. I appealed the decision researched and provided documentation of the fraudulent charge and never heard back. 

I called on XX/XX/XXXX about the 2nd appeal and was told the original decision stood. I was not ever given a response or a reason why this charge was mine. I have provided them with information showing a fake address on the card, my name mispelled on the charge, no verification. 

Documentation has been provided.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT, I NOTIFIED EXPERIAN CREDIT BUREAU, THEY WERE SENT NUMEROUS TIMES FCRA 605B, MY IDENTITY THEFT POLICE REPORT, MY ID, EVERYTHING THAT IS REQUIRED TO HAVE AN ACCOUNT THAT IS ON MY EXPERIAN CREDIT FILE THAT IS A DIRECT RESULT OF THE IDENTITY THEFT I SUSTAINED, THEY REFUSED TO REMOVE IT. THE ACCOUNT IS FROM A COMPANY XXXX XXXX AND I ASKED WHY THEY KEEP ON LEAVING IT ON MY FILE, THEY SAID BECAUSE THE COMPANY XXXX XXXX XXXX KEEPS ON REPORTING IT TO US AS A GOOD ACCOUNT, SO I SENT XXXX XXXX  A LETTER AND A COPY OF MY POLICE REPORT FOR ID THEFT AND THEY STILL REFUSE TO REMOVE IT. THE FCRA STATES ONCE A CONSUMER ADVISES YOU THAT THERE IS A FRAUDULENT ACCOUNT ON THERE REPORT AND HAS PROOF THAT IT IS LIKE A POLICE REPORT STATING JUST THAT THEN YOU HAVE 4 DAYS TO REMOVE IT, OR YOUR IN VIOLATION OF THE LAW OF THE FEDERAL GOVT. NOW I DIDNT MAKE THE LAW, BUT I WANT THE LAW ADHERE TO NOW!!! I WANT THAT ACCOUNT BLOCKED FROM MY CREDIT REPORT ( EXPERIAN ) AND NEVER PIT ON THE REPORT AGAIN ... SO I WANT EXPERIAN CREDIT BUREAU AND XXXX XXXX XXXX TO HAVE THIS REMOVED IMMEDIATELY ...
Product: Credit card or prepaid card

On XX/XX/22 XXXX online transfers totaling {$5900.00} was made from my XXXX bank of America XXXX  card without my authorization, I notified Bank of America right away they supposedly opened an investigation that concluded that no posting error had occurred in my account therefore they denied my claim. Bank of America refused to provide me with any information about the person or account that the money was transferred to, other than the last four digits of the account number, which does not belong to me,
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to Comenity Bank on XX/XX/2021 due to reporting accounts were included in bankruptcy and now show derogatory. The accounts were in good standing and closed years before bankruptcy was filed and discharged. Upon disputing with the credit agencys, Comenity is still reporting erroneous information.
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 items ( A ). It is not permissible to fail to validate these reporting items 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 correct : XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving an email notification via XXXX XXXX in XXXX that there had been a change to my account and that my credit had went down, I proceeded to the app to see what was going on. Based on my findings, on XX/XX/XXXX my credit score dropped by 140 points from a XXXX to a XXXX for one credit bureau and also XXXX points from a XXXX to a XXXX for another credit bureau due to a JPMCB Auto balance that increased by {$710.00}. JPMCB is the creditor that I have my vehicle lease agreement with. The terms of my lease were set to end on XX/XX/2021. However, I decided to extend my XXXX lease agreement to a month to month lease for up to 6 months with the same payment and fee terms, which I called and agreed to over the phone prior to the lease term ending. With this said, I called JPMCB to inquire about what was going with the increased balance that I identified on XXXX XXXX and they proceeded to tell me that i was 30 days delinquent on a payment, which I proceeded to challenge since I had never been delinquent before and my account was set to auto payment and came directly out of my bank account without the need for me to do anything ; this had been the same process for the entirety of my lease up to this point. The individual responded by telling me that I was supposed to go onto the JPMCB site to confirm that my payment details were still the same, which to that point I had been unaware of. I proceeded to ask the company if they could forgive this lateness due to the fact that it was an unintentional oversight but they were unwilling to do so because they noted that the person that I entered into the extension agreement with would have mentioned to me that I needed to confirm my payments. While still on the call with JPMCB, I proceeded to pay the XXXX payment that was considered late and also the XXXX payment, which at that point was still current. As soon as the call with the creditor ended, I immediately went onto the JPMCB site and proceeded to confirm my payment information, which was quite a simple task that I would have definitely completed had it been clear that this is what was needed upon entering into the agreement. I checked my physical mail, as well as, email to see if I had received anything that stated that I needed to go in and do anything related to needing to update payment information, anything about my new agreement, or anything else that would have helped me identify the need to continue my automatic payment setup and I could find nothing. The only two emails that I could find between the initial payment due date and the time in which I paid did not include info on my new agreement and any action items that I needed to address as a result of the new agreement. Prior to this misunderstanding, every single payment throughout the entirety of my relationship with JPMCB so this clearly an unintentional oversight. After I disputed the only credit reporting agency to update my report has been XXXX.
Product: Checking or savings account

Complainant is an identity theft resolution specialist employed under power of attorney to represent a victim of identity theft. 
Square , Inc opened an account using the victim 's information and mailed to the victim a debit Mastercard. The victim reported this fraud to Square on multiple occasions without response. Complainant as sent via US Postal Mail to Square , Inc. reports of identity theft in XXXX and XX/XX/2024 without response. 
Square was provided a notarized affidavit of identity theft, copy of a police report filed with the XXXX Police Department in XXXX, XXXX, as well as proof of identity. In the reports of identity theft it was requested the

account ( s ) be closed and Square provide written confirmation that the account ( s ) was/were investigated and closed as fraud and that the victim is not responsible for the account ( s ). This is a standard request and the victim is due this under federal law. Square has failed to even acknowledge the victim 's and complainant 's repeated requests. The
victim is aware that Square has an established history or making it difficult for identity theft victims to report and close fraudulent accounts in an effort to make additional money off the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information. 
XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
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: Payday loan, title loan, or personal loan

XX/XX/XXXX received loan totaling {$870.00}. Principal {$540.00} Fees {$320.00} Payments started XX/XX/XXXX, they wanted {$350.00} but I couldnt afford it so this is how I was paying. XX/XX/XXXX {$170.00}, XX/XX/XXXX {$150.00}, XX/XX/XXXX {$120.00}, then XX/XX/XXXX I started having hardships so they said I could start paying {$50.00} so thats what I agreed to. 
They emailed me a payment plan of {$50.00} going into the year XXXX. This is when I started emailing questions and not getting no replys! I have been looking through all emails, and I remember they sent me a balance why before my hardships and it was like {$500.00} something.white this pmt plain its back to {$800.00} something! Am I crazy or just misunderstanding!!
Product: Mortgage

tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Consumer Reporting act XXXX XXXX XXXX XXXX  account 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Consumer Loan

I financed a vehicle through Toyota Financial. I was always on on time with my payments. I lost my job and had to file Bankruptcy. Toyota did n't take my payment. Before the Bankruptcy I tried to get a deferment but they said no. 
I got another job and decided to drop the Bankruptcy and pay my creditors. I have been making my payments every month with Toyota and paying on the past due month that I owed. Toyota is reporting me 30 days late every month when I am not 30 days late. I have bank Statements showing my payments every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.
Product: Mortgage

On XX/XX/2016 i called Ditech because I noticed a late fee on my account. I am currently setup on bi-weekly autopay through Ditech 's website. According to XXXX ( the rep i spoke with ) she indicated that funds were withdrawn at the wrong time and applied to principal. A case was opened for the reallocation team to remove late fee and fix issue. On XX/XX/2016 I noticed a XXXX late fee for the same issue and called customer services. This time XXXX helped and has now opened a case to have the reallocation team remove both late fees.