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

Loyal customer of Citi Cards for over 15 years. Purchased hotels on XX/XX/2019 using a Citi-Premier Card Thank-you Points on the XXXX web site. Contacted Citi in XXXX to notify them that I would not be renewing my card. I was told that I would have to call when the card was due to expire. I told Citi that I would be in XXXX, it was unreasonably that I could not simply have the card non renewed on the expiration date and the exact reason why I would be cancelling because of my displeasure with cancelling card benefits during a contract. This resulted in my purchase of trip insurance through another provider. The end result of that conversation I am told resulted in termination of my card on that date. I would say that I did not prematurely cancel my card at that time, Citi would say that I did. What sense would that make when I had already paid the premium for the card? Regardless, there is a 90 day policy to return points. 

All points used through Citi 's travel agency, XXXX, were put back on my Premier Card and then disappeared because of the expired card. Each time I made a phone call and Citi-Points then placed the points on my secondary XXXX Citi card. 

I used Thank-you points on the XXXX website to purchase two separate hotels one for {$100.00}, the other for {$270.00}. On XX/XX/XXXX, I received notification from XXXX that my points would be refunded by the same method used at checkout. When my points did not show up within 7 days I started making phone calls and have compiled well over 20 hours trying to resolve it often waiting over an hour to talk to a person. I simply get transferred from one department to the next or get cut off because the transfer never goes through. On the phone I filed a dispute and told it would be settled in 20 days. Nothing happened. I filed another and was told it would be resolved in 5 days. Nothing happened. When I call to find out how it was resolved nobody has any idea what I am talking about. 

On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX number. I finally found out that all along the reason my points were not returned after numerous attempts was because my card number no longer existed and repayment was rejected. ( A statement that I had made to every Citi representative ) XXXX has tried everything to try to help me. They even tried to contact Thank-you points in a three way call but could not connect with a person! I called two different people in the department that issues Citi cards and both told me that I only had 30 days after card termination to activate the account which would have been possible if Citi would have directed me to do so back in XXXX. At the same time Citi returned points to that card for points used through XXXX.
Product: Credit reporting

I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus with no luck. Please advise. Thank you for your understanding and assistance in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX ]
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I am not swayed that XXXX has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both XXXX and the creditor. Make sure to explain the outcome of your investigation about this account with BARCLAYS BANK DELAWARE XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken  account to fraudulent investment firm. 
I wanted to earn some extra money, and found this Investment firm online. After some time, when I figured I can not retrieve my earnings, I figured out I was scammed. 
They went extra mile, and hacked my friends account, and wrote to me, so that I can feel reassured that someone I know is already doing business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in previous correspondence dated XX/XX/XXXX I received a copy of my Transunion consumer credit report and found the following item ( s ) to be in error, inaccurate, and unauthorized. : 1. The inquiry was not authorized XXXX Date of inquiry : XXXX  2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XXXX  5. The inquiry was not authorized XXXX Date of inquiry : XXXX 6. The inquiry was not authorized XXXX Date of inquiry : XXXX  7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XXXX 10. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 12. The inquiry was not authorized XXXX Date of inquiry : XXXX
Product: Mortgage

I have a question for Mr. Cooper Mortgage servicer. 

Can you wait for " California Mortgage Relief Program '' to go live before you start collecting any mortgage payments from me? 

I am waiting for this Program to go live, and it is really important. 

I have tried contacting everyone regarding this program from US treasure to XXXX. 

They have no idea when it will go live but I am expecting it go live within next 2 -3 months, so let me take advantage of it and lets wait for another 2-3 months before you start collecting payments from me ( Please see attached file for the CA Mortgage relief website ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to supply proof of investigation of a fraudulent account XXXX XXXX services Acct # XXXX ( I have been a victim of identity theft as they have noted on my credit file ) on my credit file. I have written Transunion on several occasions. They have responded and told me that they will not reinvestigate the matter. Under section 616 of the FCRA Transunion is required to supply proof and method of their investigation. Transunion has yet to abide by the law. This blazing attack on my credit worthiness has caused me great financial harm. Therefore, I'm giving one final goodwill reach our before suing under section 616 Transunion also claimed to CFPB that they need approval for account due to me listing another source on the complaint. This is not true and Transunion has again used another stall tactic in order to circumvent the law. Transunion has full authority to access my account just as much as they have allowed an erroneous account to be reported without any true verification. 

This is another stall tactic used by Transunion to willfully break the law. Transunion has had ample time to correct this erroneous information. They have yet to send me document level information baring my signature. I request that Tranunion send this document from their address showing proof that Transunion has in possession of any document baring my signature. I do not consent to any form of electronic investigation using XXXX XXXX or any other data collecting firms that also have erroneous information. Transunion actions has caused me financial damage and credit worthiness. I plan to pursue every legal action available to rectify this problem. Including but not limited to civil lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I engaged in a loan with At Loans, had 4 successful loans and renewed the fifth terms ; filed for bankruptcy and they were notified of the case petition and protection under the automated stay have not heard a thing in close to five years ; Recent email from the company advised that they have updated credit profiles and demands payment. First I am still under the automatic stay and the statue of limitations for this loan has past in addition they knew or should have known as a matter of standard operating procedures to do a bankruptcy scrub before demanding funds on a account out of statute. I've called them twice and to no avail. This account is no longer collectible and has no legal standing in addition it is reporting incorrect information on my credit profile. They have violated several laws. The resolution I am seeking is removal of any recent information on my credit profile ( s ) ; restitution for the violations.
Product: Credit card

XXXX Discrimination & XXXX in Defamatory, Negative, Inaccurate and Irrelevant reporting of personal information to credit reporting agencies without my expressed written consent nor permission. 
This is a violation of my right to privacy, as well as, a direct violation of The Fair Credit Reporting Act, and several statutes pertaining to consumer consent under 15 U.S. Congressional Code 1681.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX ) 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SECURITY CREDIT SERVICES A COLLECTION COMPANY, ILLEGALLY PLACED A COLLECTION INTO ALL MY 3 CREDIT REPORTING BUREAUS DAMAGING MY CREDIT FILE. THE COLLECTION IS ( XXXX XXXX, AMOUNT {$1500.00}. 

THIS COLLECTION WAS IN MY CREDIT REPORT OVER 7 YEARS AND UNDER FEDERAL LAW WHEN THE NEGATIVE REPORTING REACHED THE 7 YEAR, IT WAS DELETED FROM ALL CREDIT BUREAUS. 

ON XXXX THE ABOVE COLLECTION COMPANY AGAIN REPORTED THIS COLLECTION AS A NEW DEBT. 

ALSO THEY VIOLATED FEDERAL STATUES FOR NOT GIVING ME THE RIGHT TO DISPUTE THE COLLECTION WITHIN 30 DAYS AS REQUIRED BY LAW, THEY JUST WENT AHEAD AND REPORTED THE COLLECTION INSTEAD AGAIN. IF THEY WOULD OF FOLLOWED THE LAW OF GIVING ME THE RIGHT TO DISPUTE THE COLLECTION, IT WOULD OF NOT BEEN REPORTED FOR THE 2ND TIME TO ALL 3 CREDIT BUREAUS DAMAGING MY CREDIT
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 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 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 reporting or other personal consumer reports

SEE ATTACHED!! EXPERIAN WANTS ME TO KEEP SENDING SENSITIVE PERSONAL INFORMATION IN XXXX MAIL OVER AND OVER
Product: Student loan

Approximately XX/XX/XXXX, I applied for forbearance and paid the {$100.00} that they said I had to pay in order to get the forbearance. I was told my next payment would be due XX/XX/XXXX. I made the payment, but never logged into the account, as I paid through Bill Pay through my bank. Late in XXXX, I had a credit monitoring alert saying that Navient was past due. I have now called 5 times. Each time I am told, they know there is a problem. The person who processed the forbearance made a mistake and everything will be taken care of. It is now XX/XX/XXXX and the problem is still not fixed. My credit score dropped by 90 points since XX/XX/XXXX, that is on top of the 40-50 points it dropped in XXXX  because of Navient. This is not the first time this has happened when I applied for forbearance. It happened earlier in XX/XX/XXXX, but was resolved, however it did not take this long. I have asked for things in writing but never get anything. I am currently 15 days past due as I have not paid XXXX because they are not properly applying my payments. Today, I am the phone with XXXX XXXX employee ID XXXX  who is saying she is speaking to her manager XXXX XXXX and my forbearance will be processed and my loan will be due XX/XX/XXXX. This is now eating up 5 months of forbearance when it should have been 3.

Every single time I called I have asked for the conversation recap in writing. Once I was told I would have it, never received it. Now I am told they can not do that.

Every time I call I am also told that things will be corrected. As of today, nothing has been fixed yet.
Product: Mortgage

I  XXXX   XXXX   XXXX , obtained financing from   XXXX   XXXX   in   XX/XX/XXXX   as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until   XX/XX/XXXX   I missed my first payment because of a pending  retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however,  XXXX  did not response, but did write a on   XX/XX/XXXX   stating that I was in default, then suddenly sent another letter dated   XX/XX/XXXX   informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the  1st.  completed request package on   XX/XX/XXXX   explaining in my hardship letter, I was  retiring  in  XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a  Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on   XX/XX/XXXX  .  SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship  Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the  XXXX   XXXX   XXXX  Forms. I extended my  retirement , and medical treatment to   XX/XX/XXXX .  To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there   have not been any responses to the short=sell. I cancelled the short-sell in   XX/XX/XXXX , an d have sent Loan Packages in   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   a nd  XX/XX/XXXX  el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to   XXXX   XXXX   for 15 years and have NEVER ONCE BEEN LATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now XXXX of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

Wells Fargo Bank, NA on a recorded line agrees that they made an error on 1099 form and refuse to correct it. They told me to see a tax advisor on XX/XX/24. Please see previous complaint XXXX. Wells Fargo made the error, agree they made the error and refuse to correct it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

TFS reported incorrect information to Credit Bureaus. I have contacted TFS in XX/XX/2018 regarding incorrect late markers on my account. It took TFS more than two month and multiple communications to fix the problem. During that period TFS reported additional incorrect information to Credit Bureaus of two additional credit markers, one for XX/XX/2018 and another for XX/XX/2018. The car was sold in XX/XX/2018. These additional  incorrect negative credit markers negatively affected my credit history and resulted in credit line decrease for my XXXX credit card. I was on the market for a mortgage and it is also affected my ability to receive good rates. It was a stressful experience. I have attached XXXX  report which show additional incorrect credit markers on my report.
Product: Checking or savings account

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 Subject : Dispute of Unauthorized Inquiries on My Consumer Report Dear ChexSystems, I am writing to formally dispute several unauthorized inquiries listed on my consumer file. These inquiries were not initiated or authorized by me. I am requesting an immediate investigation and removal of these entries from my report, as is my right under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are as follows : 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 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 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 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  Inquiry Date : [ Please fill in if known ] These inquiries were not authorized by me, nor were they associated with any applications or business transactions that I initiated. As such, I request a full investigation into each of these inquiries and a prompt resolution. If found to be unauthorized or inaccurate, I respectfully ask for their removal from my file. 

Enclosed are copies of my government-issued identification and a utility bill to verify my identity and address. 

Please respond within the XXXX timeframe allotted under the FCRA. Thank you for your prompt attention to this matter. 

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

Two Privacy notices, were provided by M & T bank and and a company named XXXX XXXX XXXX in addition to a mortgage interest statement. The issue is the amount of information that can be shared by the institution and institution affiliates. 

7 rows of reasons we can share you personal information. While 7 rows of reasons were shown both M & T Bank Corporation and XXXX XXXX XXXX can share all 7 rows of information without the account holders consent. Additionally only 3 of the seven rows can be limited by the consumer for sharing. The consumer also has to opt out of all sharing by calling the institution. This is the opposite of most consumer services where companies are limited from disclosing or sharing information at all unless the consumer consents.
Product: Credit reporting or other personal consumer reports

Please Delete these accounts XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX as several times I've reached out over the phone and your Company has not sent me a proper full investigation as to how these accounts were actually verified. Therefore your in violation of FCRA. According to U.S.Code S 1681a- definitions ; rules of Construction states, Section 1681s-3 of this title, Any report containing information solely as to transactions or experiences between the consumer and the person making the report.