23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I called into Citibank to sign up for an XXXX XXXX XXXX XXXX XXXX. I had seen a promotion in the XXXX XXXX XXXX for XXXX bonus miles for {$7000.00} spend over 3 months. I went on the website and saw the same promotion online. I called Citibank, they said I qualified and would be sending me my card soon. As the promotion was one of the reasons I was signing up I verified with the agent that I would be receiving my XXXX bonus miles after spending {$7000.00} within 3 months and she verified this. Well after receiving my card I had some questions regarding tracking of loyalty points and spoke with the XXXX XXXX loyalty program and she mentioned that they could see my new Citibank card and the promotion for {$10000.00} spend over 3 months and XXXX bonus miles. I was shocked I said I didn't sign up for that, it's another {$3000.00} spend over the promotion I had signed up for and nobody informed me of that. Another {$3000.00} dollars is a big deal and I would have had second thoughts if I had been truthfully told that my promotion was spending {$10000.00} within 3 months for XXXX miles. Citibank is an unethical bank and they need to be punished, I am not the first person to get this bait and switch scam run on them, as I did my research and found many people have endured the same scam. Citibank is clearly signing consumers up for promotions that they are not aware of that are at a higher spend for 3 months and not informing them and not providing any information in the welcome packet and hoping that the consumer doesn't find out and ends up missing out totally on the promotion miles because they have underspent the hidden promotion minimum spend. This card has an annual fee of {$590.00} and provides some perks that I want but I signed up because I would spend about {$7000.00} within 3 months but {$10000.00} is a stretch. I spent time on the phone with Citibank which kept blaming XXXX XXXX and XXXX clarified that indeed it is Citibank that is responsible for promotions. After being told by Citibank there was nothing that could be done, they finally gave me an email address XXXX that I could write to and complain. I sent an email to them explaining the situation and I was sent a letter that said that I was enrolled in the XXXX bonus miles for spending {$10000.00} within the first 3 months. I feel that at every point they have had a chance to do the right thing, we are not talking about a mistake, we are talking about an intentional misleading of consumers and Citibank needs to be punished. At this point I am so livid they should have to give me XXXX miles for wasting my time, misleading me and intentionally trying to hide what they have done so that consumers miss out on Bonus points totally.
Product: Payday loan, title loan, or personal loan

Made all payments up to XX/XX/ on there web site has if you want to change the due date change it which I thought was XX/XX/XXXX week later get notice that XXXXm past due on XX/XX/XXXX made 2 call both people it will be corrected on line the web site still has me past do 20 days, before I got a chance to call they called me about my past do when I had to stay on the phone for 30 minutes he tell me he would take care of it 1st to tell any problems I will call you back, no call back received my last call XX/XX/XXXX telling me Im 27 days past do go threw the same spill after being on hold for awhile he comes back on says because I changed the date to 7 days later I got to pay 1 full payment Im on fixed income the reason I tried to change the date to plus XXXX because my SS for the most part in the XXXX of the month, going back on the 1st call I did ask them switch it back to the XXXX of the month no where on their web site says anything about additional money for changing the date. Payments 100 percent on time and this company so unprofessional and its my fault because I changed a date and charge me XXXX some dollars to do it, Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent A certified mail with a FTC report to Transunion, XXXX and XXXX. My XXXX had repo flagged because of credit acceptance have flagged the account for a repo that was closed on XX/XX/XXXX when I went on XXXX XXXX XXXX is still reporting to XXXX with payments which that is false documentation when I called Transunion Transunion is still getting a report from Acceptance saying that the account is still open on one of my other credit acceptance!! saying that it is closed the account is closed for a repossession and I asked XXXX and Transunion to remove it because I have documentation from the FTC report that account is no longer open. Which is a Violation to my consumer law.
Product: Credit reporting

I want to disputed Delinquent past or present credit obligations and excessive utilization of revolving credit and derogatory past
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage from quicken loan, they did  XXXX  times hard inquiry during 2 months period, with out my authorize,  XXXX  in  XXXX     2016  and other  XXXX  in  XXXX   2016 , they did the  XXXX  hard inquiry after they cancel the pre approve, i never get the loan and my score dropped  XXXX  points, I filed a dispute with credit agency, they did n't solve the issue.
Product: Credit card or prepaid card

I was not receiving electronic statements and did not get my bill. The payment was marked as late.
Product: Money transfer, virtual currency, or money service

They me told they was going provision 10 today but they wouldn't
Product: Credit reporting or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and TransUnion credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize
Product: Credit reporting or other personal consumer reports

I was looking at my Fico Consumer Report and I noticed multiple fraudulent accounts with inquiries that I dont recognize these accounts must be blocked and removed from my consumer report. Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; Accounts that are fraudulent XXXX  XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX  XX/XX/XXXX {$930.00} XXXX  XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2500.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Services placed a collections account on my XXXX credit report on XX/XX/XXXX for a XXXX medical bill. I had no notice of this bill being outstanding. I had medical insurance that covered this bill. Primary insurance- XXXX XXXX and XXXX XXXX XXXX XXXX. I was never informed that the insurer ( s ) were not billed or were not billed properly as this bill was 100 % covered by insurance.
Product: Student loan

I am writing because FedLoan is refusing to process my IDR recertification in a timely manner creating the unnecessaryrisk that their inaction will cause me to lose several months of PSLF payments. Again. FedLoan confirmed receipt of my latest IDR recertification on XX/XX/XXXX. A few days later, on XX/XX/XXXX, FedLoan sent me an email ( attached ) telling me that my IDR recertification was " on hold '' and would not be processed until after XX/XX/XXXX. They then said : " Once we have processed your request, we will send a follow up email detailing your monthly payment amount or if we were unable to process your request. '' The problem with this is that the new payment will be in effect for the month of XX/XX/XXXX. By waiting until the last minute to process my request, FedLoan will prevent me from having adequatetime to challenge the amount requested ( if needed ) or to respond if FedLoan announces that they are " unable to process my request. '' This unnecessarydelay creates an unnecessaryrisk that I will lose payment months towards my PSLF while we potentially argue about the new payment amount. To be clear, this is EXACTLY what happened during my last recertification. I'm including the following details about my prior recertification because I endured the exact problem I'm trying to avoid this time : I filed my prior IDR recert on XX/XX/XXXX. My new payment amount was to take effect in XXXX. FedLoan put my IDR " on hold '' and ignored it for XXXX and XXXX On XX/XX/XXXX they approved my IDR recert and announced my new payment amount. There was a problem with the new payment calculation, but because FedLoan had failed to process it in a timely manner, I then had almost no time to challenge it before the payment was due. As a result I lost THREE months of PSLF payments while I argued with FedLoan about my IDR payment. Had they processed my recert in XXXX when I submitted it, we could have worked out the problems before the payment was due in XXXX. XXXX NOTE : I did file a CFPB complaint on that and, as a result, FedLoan allowed a single, retro PSLF payment so in the end I missed TWO months of PSLF payments. Complaint # XXXX ) It must be acknowledged that borrowers receive the request to submit their IDR recertifications THREE months before the new payment cycle specifically in order to allow FedLoan to process it in advance. FedLoan is improperly delaying these requests and their delays are negatively impacting those of us enrolled in the PSLF program. Please direct FedLoan to process my IDR recertification immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed multiple dispute letters regarding an account on my consumer report for XXXX XXXX XXXX XXXX  since XX/XX/XXXX. Reporting agency Transunions has removed this item for a month and never sent re insertion of the account being re-added to my credit report. Also repeatedly mentioned to them my account online not being updated for my current disputes. They've failed to respond to me as well. Mailed in a certified letter re verifying information that was verified months ago in XXXX of XXXX and yet still have not received no reply, for its been over 30 days. There are multiple open account temps that I am unaware of and repeatable reached out to Transunion regarding these Inquires. XXXX XXXX date XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX and aware of all my rights under the Fair Reporting Credit Act ( FCRA ). These accounts are in violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These multiple inquires were not done by me, under 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. My first claim was on XXXX, claim number XXXX, where I was told through you guys you couldn't verify my identity. I've mailed in my proper documets and have also attached a copy of you guys response
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching all of my documents included in my dispute.. I am a victim of identity theft and I am stressed that this information is still on my credit report. I have sent Experian all of the supporting information and filed a police report. Help me please.. I was a victim in a previous breach and they are not removing these inaccurate items off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against EXPERIAN LLC. After numerous disputes with foundation, experian llc. has refused to comply lawfully. I have disputed these two accounts separately, ( XX/XX/XXXX ) ( XX/XX/XXXX ) unsucessfully. These accounts are with XXXX XXXX XXXX. # XXXX # XXXX. These accounts are reporting with different addresses and names as well.My disputes have been that XXXX have been reporting inaccurately, therefore should be deleted from file.They have been reporting to an address that was deleted on XX/XX/XXXX.with report # XXXX, but yet continue sending billing statements to the address, also reporting erroneous names with it. My real name is ( XXXX XXXX XXXX ) I have disputed with experian on numerous occasions, since XXXX. The most recent with certified mail # XXXX XXXX XXXX XXXX XXXX / and # XXXX XXXX XXXX XXXX XXXX.I have sent experian with vast proof with copies of birth certificate, social security, erroneous billing statements, current address , but yet EXPERIAN LLC, does not take the appropiate measures pertaining to law, which clearly states that if an item is not verifiable, it must be deleted.I have also disputed with collection agency ( XXXX ) and they failed to validate debt, with certified mail # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. Also, i have sent experian a document from XXXX dated XXXX, showing deletions for these same accounts.The law is very clear, as to remedies for these type of violations. Accounts posted on credit file and disputed by consumers, should carefully be revised to ensure that no repercussions are suffered, otherwise anyone paying for reporting services could fax or mail-in a fraudulent account..I have suffered several inquiries, on my report, and this has hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates the Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Chasee refuses to remove unverified and inaccurate information on my credit report. I have disputed  XXXX  accounts information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also cont acting Adult Protective Services for  help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX I redeemed XXXX XXXX XXXX XXXX for what I believed would be 2 {$100.00} gift cards ( they are advertised on the rewards site as gift cards ). I bought them with the goal of immediately using them to buy a round trip ticket from Washington to NYC for travel on XX/XX/XXXX. Instead of gift cards as I believe would be reasonably understood from the marketing, I received, by mail, 2 {$100.00} gift certificates ; these did not arrive until XX/XX/XXXX, precluding me from getting a better price on my train ticket, which rose by {$100.00} in the intervening time. The certificates are only redeemable in person at an XXXX ticket counter. I had purchased the certificates under the assumption that they would be usable as any other gift card, through the XXXX website. I do not believe the expectation that in this day and age a consumer redeem paper certificates at a ticket office is reasonable, particularly because the most likely time for a consumer to do this would be at the train station, thereby guaranteeing the highest purchase price and lowest redemption value of the certificates. I live across town from the ticket office and can not invest the additional hour to redeem them in person independent of a trip. I further find it misleading to market these products as gift cards through the rewards website. When I called to complain ( Amex does not take electronic complaints ) I was told that I could not be refunded ; when I asked to escalate I was denied the opportunity to speak with a manager.
Product: Credit card or prepaid card

I previously had a case opened with the Bureau ( ID : XXXX ) which I was advised has been handled but I continue to have issues with my Citi Rewards Credit card # XXXX. My statement still shows that I owe {$60.00} and no one at Citi can tell me what this charge relates to. I have NOT been using this card and want to close the account as soon as this is cleared up. Please help. I've tried calling Citi 's customer service numerous times and they have no clue. I've never been more frustrated with a credit card. 

In addition, some of my statements no longer show up on Citi 's website so there's no way I can figure this out by myself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 15 U.S. Code 1692, 15 U.S. Code 1666, and 15 U.S. Code 1601. Additionally, under 15 U.S. Code 1681, the IRS explicitly states that a cancelled debt or charge off is considered income and should not be reported as a debt. The continued reporting of this account as a debt on my credit report is not only inaccurate but also damaging to my financial standing.

1099-C form indicating the amount of cancelled debt associated with the XXXX XXXX XXXX XXXX account XXXX I demand that Experian take immediate action to remove this account from my credit report within 24 hours to rectify this error and prevent further harm to my credit score or severe consequences. Pursuant to federal consumer protection laws, including but not limited to 15 U.S. Code 1681, I reserve the right to seek punitive damages of {$250000.00} and more if Experian is found to be damaging my credit report intentionally. 

I expect prompt resolution removed from my credit report
Product: Debt collection

XXXX XXXX XXXX acct # XXXX XXXX XXXX is the original/ XXXX XXXX XXXX XXXX XXXX, sc XXXX I have tried to tell this company that I did not sign any documentation to this company and requesting the following information 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I applied and was approved for a borrow & grow loan through SeedFi. I signed a contract with SeedFi, to pay SeedFi. I agreed to payments to SeedFi. Now, as of XX/XX/XXXX I was notified they would not be handling my loan, it would be with a company called XXXX. I was on automatic payments with SeedFi and told through email and the SeedFi application there was nothing I needed to due. That was not the case. My payments did not continue. When reaching out to customer service for XXXX I was told there would be a late fee plus payment due. I was not able to set up payment online, and SeedFi is in breach of contract selling my loan to a third party. Now, Im having to try to get caught up with a company Im not familiar with, has a horribly outdated website, charges different fees, and I didnt agree to work with.
Product: Credit reporting

i am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Product: Mortgage

Two months ago my personal checking account was overdrawn. In researching it I found out that XXXX XXXX over charged my mortgage payment by {$600.00} its causing such. I called XXXX XXXX XXXX to find out how it happened and advise them not to allow it again. Next month it happened again. Overdrawing my account. XXXX XXXX outsources the mortgage payment process to PHH. I tried to set up bill pay through XXXX XXXX XXXX for last months bill. XXXX XXXX XXXX rather than paying PHH mailed a certified check to my home. PHH collections are making calls to me and Im trying to make the correct payment. The reason for the additional XXXX is that my insurance did laps. Which I resolved immediately. My insurance agent sent proof. They also claim that I did not pay property tax. I called XXXX XXXX XXXX tax appraiser who advised me that the taxes were paid and sent me proof by mail of a receipt.No one at PHH or XXXX XXXX will give me an email to send in the proof of tax payment. The last two times Ive spoken with PHH, I was promised that they would call me back the next day with resolution. It never happened. Today, I was left on hold for 10 minutes and then hung up on. 
Any assistance and or guidance will be gratefully appreciated.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Alliance One Receivable acct # XXXX, should have been paid by, XXXX XXXX XXXX XXXX . I have had XXXX XXXX for over 10 years, same account just a different County. They never submitted charges to XXXX, and now it is in Collection.