23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In early XX/XX/2019, I was targeted for a promotion [ Citibank promotion #  XXXX ] to open a Citibank checking account and receive XXXX American Airlines Advantage miles after specific qualifying activity. I received a welcome email from Citibank and instructions to complete this activity, which is attached. 

After having completed all required activity on XX/XX/2019, I waited to see that these bonus miles were credited to my American Advantage account. When I did not see them, I contacted Citibank at telephone number XXXX, on XX/XX/2019 and an inquiry was started on my behalf from which I received reference number # XXXX. On XX/XX/2019, I received the attached letter from Citibank stating that my account had met the necessary requirements, but that I would need to wait until 90 days from the date of the qualifying transactions. Termination of 90 days from qualifying activity occurred on XX/XX/2019. 

On XX/XX/2019, I again contacted Citibank to inquire about these bonus miles. After having been on the phone more than five hours and having been transferred to no less than six different representatives [ originally spoke with XXXX, was transferred to XXXX and then transferred to XXXX. XXXX was the Citibank Costco representative and he transferred my call, but the call was dropped. I called back and spoke to XXXX who transferred me to XXXX, who transferred me to XXXX. All these notes appear on the second copy of the XX/XX/2019 letter received from Citibank. ] I was told the miles should post to my account by on XX/XX/2019, but no later than XX/XX/2019. 

Today, XX/XX/2019, I again contacted Citibank to inquire about these missing bonus miles. After more than one hour and speaking to at least two representatives, I was told a new internal investigation was required, but she would ask that the miles be expedited. In her words, hopefully the miles should post within 7-10 days. My new reference number is # XXXX. 

I have spent more than 10 hours on the phone with Citibank, contacted them via XXXX and nothing has been resolved. This has been a very frustrating experience and has left me feeling that they offered a fraudulent enticement in order to expand their customer base.
Product: Student loan

Hi, I was with XXXX XXXX for many years but then navient. 
Navient handle my loan for years and in the time frame forced me into forbearances and not letting me be in income driven plans. They would also do things over the phone and tell me what a payment would be then I would go to make that payment a month later and it would be double what they stated. When I would call to ask why it changed they would skate around an answer and tell me I would have to go into another forbearance. 
This was probably XXXX  to XXXX. 
Then when they did get into trouble by certain states, my loan got sold. 
I wasn't eligible for any compensation of their lawsuit because I didn't go to a private school. I'm not sure what a private school has to do with that fact a loan company ripped me off for years. I alway thought what they were doing was wrong but I had no control over anything. 
My loans are now in the XXXX program which does seem more feasible. 
But now my loan amount is over XXXX when I only had XXXX in loans due to navients mistreatment of things. 
I just wanted to inquire about if students mislead and abused by this company, if we will be included in any type of loan forgiveness. 
Thanks
Product: Credit card

I have pressed charges against these people ( the business ) for blackmail. I have reported the XXXX XXXX  to law enforcement. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my family 's life was subsequently threatened when I tried to dispute the scam. Then AMEX sent pictures of the crimes to my home along with a bill. 

AMEX stonewalled me when I told them everything. They even had me tossed into a XXXX XXXX to keep me quiet, and I myself had to pay the medical bill after I left. They had their lawyer contact me and after I told her I was XXXX XXXX, they continued to send bills anyway. 

I want nothing to do with these people ever. They know they make money from this criminal activity and all they cared about was keeping me quiet and getting paid. I wouldn't accept a nickel from people like this and it's up to law enforcement now whether anything further happens or not. 

They knew everything. They knew it was a scam, they knew it was criminal, they knew I was XXXX and all they wanted was to keep it quiet and get their money because they're still making money off illegal activity today. 

I paid them off to get them out of my life. I'll either see them in criminal court or never again and I could care less which.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent certified letter to Experian Credit Bureau due to unknown and unvalidated credit accounts. I received a Dispute Results dated XX/XX/18 stating the investigation was complete. However, the information remained the same. I sent a second certified letter on XX/XX/2018 requesting the documents that were used to verify these accounts and the name of the person who verified these accounts. I received a Dispute Results dated XX/XX/18 once again stating the investigation was complete but no supporting documents. The accounts in question are from Creditors : XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024, I reached out via certified mail to dispute the account for the 2nd time. Since spring of 2024 this credit bureau has been violating my rights by continuously reporting an account negatively every month as a repossession even after I have provided them with proof that the car was paid for and redeemed from the finance company. They refuse to do their part and update the account accurately as current so It needs to be removed with no further delay.

The account in question would be XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. 

These are the fraudulent accounts : XXXX  that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, DISCOVER FINANCIAL SERVICES opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX, and DEPT OF EDUCATION/XXXX  opened last XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Debt collection

On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The XXXX payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, XXXX called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of the claim, the truth of reporting, the accuracy of the claim, the correctness of reporting, completeness of claim, the fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified XXXX XXXX format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

XXXXXXXX XXXX XXXXXXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXXXXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up CFPB Complaint to request that the Credit Bureaus remove the fraudulent accounts and information off of my Crdit FIle in accordance with the Fair Credit Reporting Act. I sent a letter on XXXX to remove ( personal information, address, accounts name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again. I am in need of the immediate removal of the following items off of my Credit File : XXXX XXXX XXXX XXXX Ct, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$1300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$700.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$300.00} XXXX XXXX XXXX XXXX Unpaid Balance {$270.00} XXXX XXXX XXXX XXXX Unpaid Balance {$200.00} XXXX XXXX XXXX  XXXX Unpaid Balance {$130.00} XXXXXXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$16000.00} XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. In addition, I have not received any supporting documents from the credit bureaus indicating that these items belong to me. Therefore, I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b.
Product: Debt collection

The company has failed to removed this collection from all three credit bureaus as of today it is still reporting on XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XXXX XXXX XXXX XXXXnd XXXX XXXX XXXX XXXX XXXX  ) continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to XXXX, XXXX and Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. As a woman of XXXX and over 5o this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to law school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.
Product: Debt collection

Having previously had this same fraudulent debt forwarded back to the merchant by XXXX, XXXX on X/XX/2017, XXXX XXXX has reassigned the debt to XXXX. XXXX, making it clear that XXXX will not be deterred by Complaints to State & Federal authorities from using every resource at its disposal to pursue its criminal extortion tactics as far as the law permits.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good morning : Approx. In XX/XX/2023, I sent a dispute requesting to remove bankruptcy from my report for inaccurate information. XXXX XXXX states that the U.S Bankruptcy Court reported to them that I have a bankruptcy and that it was accurate information. Therefore, they will not be able to remove this information. I have received a letter from you. United States Bankruptcy Court stated that they DO NOT report any information to ANY consumer reporting agencies. This is a fraudulent act of using my information illegally and a right to consumer privacy. Please be so kind as to see 15 USC 1681a ( 4 ) and 15 USC 1681 I ( 7 ). Therefore, there is a willful non-compliance 15 USC 1681n with the consumer agencies TransUnion and XXXX  because there is a refusal to remove the inaccurate information from my account. Please see 18 USC 242. Secondly, XXXX is reporting personal auto policy information such as my driver 's information, address, car information, and family members without my knowledge. I am requesting that these consumer agencies delete the information in this complaint immediately from their reports. 



Thank you for your help in this matter. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

These companies obtained a copy of my consumer report without my consent or authorization which placed an inquiry on my report which in turn has stopped me from obtaining credit I want them removed immediately or will proceed in legal proceedings XXXX XXXX XXXX XXXX Equifax Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX account # XXXX has been reporting a debt on my credit reports since XX/XX/XXXX. I do not recall ever receiving any communication from them about this debt. I disputed twice through the credit bureaus but each time they come back " verified '' with no documentation to back up their claim. Debt collection companies have 30 days to validate a debt. They also increase the balance of my debt each month which I know can only legally happen if the agreement with the original creditor permits interest to be billed and I have only recently been provided with one of the seven original documents. 
The only document I received was in XX/XX/XXXX from the first cfcb complaint I submitted. That notice didn't have a date on it at all. It listed out 7 seperate debts they are billing together and only attached paperwork for XXXXXXXXXXXX XXXX XXXX XXXX. I had no idea this debt also included XXXX debts from City of XXXX Parking or from XXXX XXXX XXXX. Again, all I received was an account number, and amount due. How is this verifying a debt? I do not agree with these debts and have never been notified they existed, that the original bills were going to be sent to collections, anything from XXXX verifying these debts, etc.
Product: Checking or savings account

On XXXX XXXX XXXX  " U.S. Bank '' " E-Fraud '' department placed my card on hold due to a fraud alert from an ACH transition. I received a ACH transfer for the amount of {$3200.00} the transaction came from an item that was sold online. I went to the branch and provided them with all the necessary documentation needed. Since then they have been holding my funds for more then two months & just closed my account on XXXX I've received an update. I have been told that they still will not be releasing my funds even after I have given them everything that necessary for them to validate my account. I'm going through financial hardship due to them holding my account & not allowing me to withdraw my funds. I need help they're wrongfully hold my funds & I feel racially profiled, I have been patient. I do not know what to do about this satiation any more.
Product: Student loan

I made an XXXX agreement through XXXX to XXXX XXXX. My agreement involves paying a percentage of my income. The payments so far have been {$330.00} per month. On XX/XX/XXXX, the service was transferred to Stride. As of recent, Stride has enforced a new monthly payment of {$3000.00} to automatically withdraw from my bank account by XX/XX/XXXX. I called customer service to get information about why the payment is that high and ask for breakdown of numbers. I also requested them to cancel my autopayment so the new {$3000.00} monthly charge would not automatically withdraw from my checking account. The individual on the phone was unable to give me information. I have also requested information for them to reconsider my payments to a more ethical amount, as I can not afford any {$3000.00} payment. They overall did not fulfil any of my requests. I checked my account on this day, XX/XX/XXXX, and saw that the payment was scheduled to go out today. So I canceled the payment myself via their portal ( XXXX  ). My bank account is under my profile in their portal and I'm unable to remove it to prevent further transactions at the moment because they keep re-applying the autopay without my consent.
Product: Debt collection

I have been working with Helvey and associates about a debt, I was never told the bill was in collections, I also had to pull my only credit to see this was an issue. Once i found out I owed money i paid it. I asked the company to please removed the debt they were very rude, they told me i should pay my bills on time. 

I have already paid this debt the company will not provide any information for me, such as a receipt or a deletion letter.
Product: Debt collection

I took out a small XXXX loan from this company in XX/XX/XXXX for XXXX work. They charged my XXXX XXXX   account automatically every month for 3 years. They were always paid on time because it was automatically drafted. When I found they were still charging me well after it was paid off I contacted them and they did it again. Then i submitted the bank statements for 3 years to them and their accounting department that was located in another state. Supervisors worked on my file, apologized and promised me repeatedly, that they would send the message to stop reporting negatively on my creidt report and I did in fact have a zero balance.They would because my bank statements proved i was never even late yet this company kept calling and reporting me late. They finally stopped calling but its still reporting late, chargeoff and it should not be. I paid this on time in full for 3 years. If anything they actually owe me money because I overpaid for months and didnt even realize it. 

Account Name SYNCB/CARE CREDIT Account Number XXXX Account Type Charge Card Date Opened XX/XX/XXXX Status Closed. {$1000.00} written off. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtained my credit report from experian and seen inaccurate information with companies i had no dealings with. upon my further investigation these companies claims i owe money to them for services i have no knowledge of. this company refuses to furnish me anything validating and verifying that this debts belongs to me. experian fails to provide me with proof of their investigation methods according to the facta and fdcpa laws this is hurting my credit rating and my livelihood and ability to provide for me and my family. my XXXX kids and myself.
Product: Prepaid card

I received an Amex gift card in the amount of {$700.00} as a XXXX bonus from my job. I received the gift card electronically on XX/XX/23 and Ive been saving it since. I have some big purchases Ive wanted to make recently and in each and every iteration my card has been declined. I went to the Amex gift card FAQ website and called their alleged helpline but the suggestions were utterly unhelpful and the phone line only contained pre-recorded information. They suggested I make sure I have the balance on the card ( I havent used a dime ), make sure it was activated ( it is according to their website ), and to make sure to use the XXXX. Every purchase Ive tried to make has included the XXXX and its still been rejected every time. A few examples of what Ive tried to purchase with this card : XXXX reservations, clothes from online retailers, train tickets ( online ), tickets to events ( online ). The card was declined every time. Amex says it has implemented new security measures, but whatever theyve done has made the card functionally unusable. XXXX XXXX XXXX  is a lot of money to be losing due to Amexs incompetence and I would like to find a resolution.