23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been trying to contact TransUnion online to freeze my credit. The website was malfunctioning yesterday ( XX/XX/year> ). While trying to register they were supposed to send me a pin by cell phone within minutes. I did not receive the pin by phone until several hours later when I had already left the site. 

Today I tried again to freeze my credit online, and it said I already had an account. There was an option to retrieve user name and password but when I tried to use it I got a message that they were unable to retrieve the user name. I could not move forward so I called by phone. 

On the phone the automated system asked a series of questions including my 9 digid social security number and multiple other personal facts and then disconnected me. I called back and it gave me an option for a call back instead of holding ( I really don't think holding was a bona fide option because it kept looping back and requiring me to press 1 to continue to hold every 30 seconds. ) When I chose the call back option it also disconnected me I desperately need to freeze my credit as my SSN has been breached. The process was quite simple with XXXX and XXXX. It is quite unnerving that TransUnion, who is controlling my credit, has a website and a phone system that have both been malfunctioning for two days, if they ever did function properly.
Product: Money transfer, virtual currency, or money service

I was told if I bought {$110.00} of bitcoins thru Cashapp I would get $ XXXX I realize now it was a scam. I believe the scammers work for Cashapp. I received fake emails from the scammers pretending to be from Cashapp. 
This is one of the emails sent below Transfer On Hold Transfer Current Percentage Done : 60 % Transfer On Hold. 
Dear customer, Your cashapp daily limit can't receive this money please Kindly upgrade your account with {$110.00} into ( $ XXXX ) as the vouchers to upgrade your cashapp limit and get your paymentWARNING! This payment can't be cancel or rejected just make sure you follow all the procedures and you can text back on this email if you want to contact us. 
THANK YOU Upgrade fee. {$110.00} $ XXXX Sent from email XXXX The receiver of funds and person sending emails is listed below Amount Identifier TO From {$5000.00} # XXXX XXXX XXXX XXXX
Product: Debt collection

This company, XXXX XXXX, has called, emailed and mailed me about an alleged debt of {$10000.00}. I have never done business nor have I signed any contract with this company yet theyre reporting a false amount on my credit reports. I requested a debt of validation from this company about this alleged debt in which they failed to provide me with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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 an account without my written instructions. 

XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX
Product: Student loan

Over two ( 2 ) months ago I submitted a complaint XXXX. In this complaint Navient attempted to change the terms and conditions of the loan by refusing to send account information and statements through the U.S. Postal Service ( USPS ) to my XXXX  XXXX, XXXX XXXX, CA XXXX address for account XXXX. 

In response Navient said they will send all future correspondence and statements through USPS. However, since this response on XX/XX/2018 I have yet to receive my XX/XX/2018 statement or my XX/XX/2018 statement via USPS. Navient is in breach of the loan agreement. I want all correspondence and statements sent via USPS to the address stated supra ( XXXX XXXX, XXXX XXXX, CA XXXX ) and will at no time now or in the future use or agree to use Navients website by loging onto their website to get or receive any information electronically in any form.
Product: Bank account or service

Several months ago I received a targeted promotional offer ( code : XXXX ) from Citibank to open a Citigold checking account and receive XXXX AAdvantage miles as a sign up bonus. The requirements for this promo were that at least {$1000.00} dollars be spent in the first two months on the attached debit card and that I make two bill pay payments in the first two consecutive months that the account is open. I opened the account in XXXX and after I completed all the requirements, I sent a secure message to Citi customer service to confirm my enrollment in the promotion and that the requirements were met. They responded on XXXX and assured me that I was eligible and enrolled in the promo and that all the requirements were completed. A screenshot of that secure message is attached to this complaint. 

The promotion disclosures document says, " The AAdvantage bonus miles will be credited by Citibank to your AAdvantage account within 90 calendar days from the date when you completed all offer requirements. '' The date on which I completed the last requirement was XXXX XXXX, 2016. Therefore, according the Citi 's own terms, I should have received the points by XXXX XXXX, but the points were never credited to my account. Instead, Citi tried to change the terms of the agreement and say that I would receive the points by the end of the month of XXXX. They claim that the 90 day waiting period does not start until the end of the billing period in which the requirements are met, contrary to what the promo disclosures page says. 

Last week I called customer service to inquire about when my bonus would be processed, and Citi impformed me that they closed my Citigold account on XXXX XXXX, 2016 and told me that they are denying me the promotion bonus miles. This account closure must have been backdated, as I made a cash advance from my Citi credit account and deposited those funds into the Citigold account in order to cover its montly fees on XXXX XXXX, 2016. Citi has disallowed me from viewing my past checking account history and statements online since the account is closed, but I do have a screenshot of my credit account activity which shows the transfer made into the checking account on XXXX. This screenshot is attached to this complaint. I believe this to be a deliberate attempt to deny me the bonus miles that I have rightfully earned according to the terms and conditions of the promotion.
Product: Credit reporting or other personal consumer reports

AN FTC & police REPORT was previously filed stating that the following accounts were open due to fraudulent activity & identity theft. There was also two forms of identification copies sent in with reports. This company was informed to either remove or block these accounts from my report, yet they continue to furnish these fraudulent accounts which has hurt me and my familys credit worthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. This inaccuracy is highly injurious to my credit rating. 
* XXXXXXXX XXXX XXXXXXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting
Product: Debt collection

XXXX XXXX bought from XXXX years ago I guess is trying to get money an just sued an put a judgement on me in which Ive never opened an account in XXXX of XXXX for XXXX an Ive told them.this company states that they sent letters to me but I never got anything in the mail from this company I didnt no anything about this account being opened until the end of XX/XX/XXXX when a guy showed up an gave me a paper. Ive tried numerous times to talk to these people but I get nowhere plus when they did finally send me the charges from a lawyer which was Saturday XX/XX/XXXX I dont recognize anything on those papers but yet its showing small amounts here an there on a few occasions that payments came from my checking account using my credit card in which that credit card was hacked into this is someone elses doing I even tried to login to XXXX Ive XXXX XXXX XXXX they told me I have never had an account with them an I never had I really dont no what to do an now theres charges an a lot of interest that has been added along with wreaking my credit. I was told if I dont have proof from these sorry lawyers then I cant prove anything an Ill have to pay everything an then some thing is is I dont have any proof to help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has no way for me to contact them to report the fraud going on. I am an ID theft victim, they keep sending me letters stating an account I did not apply for was denied due to my Early Warning Services banking score. They dont check credit reports they just allow fraud to run rampant. CFPB needs to regulate Early Warning better. They are owned by big banks like XXXX XXXX XXXX and it's their excuse by not allowing fraud alerts to be placed on that report and not checking the big 3 credit reports which if they did they would see the freeze and the fraud alert telling them the number they need to call me at to verify my information before going any further.
Product: Credit reporting

Equifax continues to report credit card account information that is older than XXXX years. After I disputed the report, Equifax stated their investigation conclusion as " This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. Date of Last Activity : N/A '' It 's not possible to verify 'N/A ' as a date. The attached document is a prior credit report indicating this account was due to stay on the report until XX/XX/2015. Once XXXX passed, " N/A '' was substituted for an actual date, and the account remains on the report. I believe no investigation occurred and information older than XXXX years is still being reported by Equifax, despite being removed by both XXXX and XXXX.
Product: Checking or savings account

On XX/XX/XXXX i deposited a US Treasury Check given to me by the US Marshalls Office from the US District Court in XXXX XXXX, CA. When i deposited the given check ( {$73.00} ) it was accepted without any issues. 10 Months later ( XX/XX/XXXX ) and i am being deducted {$73.00} plus {$12.00} for a return fee, totaling {$85.00}. No explanation or reason has been provided to me as to how a valid government check is labeled as " Altered/Fictitious ''. It was a valid government check provided to me by the US Marshalls Office for participation in a Court proceeding.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

2. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.

4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
5. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MD XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY.

Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Mortgage

Where to begin? This mortgage company is a nightmare from start to finish with NO interdepartmental communication. 
We went through the loss mitigation process with them and it was an experience I wouldn't wish on anyone else. We had to submit and re-submit documents several times because the Loss Mitigation Dept would receive something but not make it known to the Lending Department. The entire process took MONTHS and we had to call SEVERAL times for updates and to ensure that everything was still being processed as expected and we almost always got conflicting information. We signed our documents in XXXX, did not receive the new contracts until XXXX and the process wasn't actually finalized until XXXX! 
In the meantime, two major hurricanes effected our area. Our insurance company was a breeze and had an inspector out to our location within a week and we had a check for the repairs before the month ended. 
Cut to the next nightmare with Freedom Mortgage. We were told to sign and submit our insurance check so that they could issue the funds as the repairs were made. Again, lack of communication as we were not told anything additional. WE had to call SEVERAL representatives until finally we were told the remaining steps of submitting the repair affidavit, etc. We were told the use the website insuranceclaimcheck.com to manage our process and to request inspections to continue receiving repair funds. Without any regard for letting customers know, the website has suddenly stopped servicing the claims. Freedom Mortgage did not tell us a thing. I've called multiple times to see why our inspection has not been completed and each time it's conflicting information. One representative says we have an inspection for tomorrow but to call this XXXX number, another gives us a XXXX number to schedule an inspection, another says they need a W-9 and repair affidavit. It is quite possibly the most frustrating situation I've had the displeasure of dealing with. The hurricane hit almost a year ago and we are STILL trying to sort this all out.
Product: Credit card or prepaid card

I applied for an American Express card on XX/XX/XXXX, XXXX nitially, they requested additional documents and as I tried to send them the documents, the system would not allow me the do so. I called on XXXX XXXX and was told I needed something else form ( XXXX ). They also told me I needed a letter from my bank to verify my address. I called and they said my application was denied and never allowed me to send in supporting documentation. I have been discriminated against alright the rep told me my score was XXXX which met the standards.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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 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 remove these files. 
XXXX XXXX XXXX
Product: Bank account or service

I have been with PNC Bank for 21 yrs. On XXXX/XXXX/2015 I rented a car for 49 days. The total for 30 day rental is {$530.00} so 49 days would come to roughly {$870.00} or close to {$900.00} I wave all extra coverage at the counter & soon after I pick up the rental from XXXX XXXX car in XXXX Fl, they begin to charge my card excessively. I immediately contact the company & even was told by a representative that I was indeed being over charged & was referred to corporate however never being able to reach a live person nor getting credited for the excessive charges to my debit card. I never used my pin, always credit yet when I began my dispute with my bank, they continued to allow my credits to be reversed after I cancelled my card, as well as faxed all receipts & correspondence directly to the escalation dept handling my case. I am still batteling the bank & have been charged excessive fees, my electric was shut off, I had no cable, internet or phone therefore my child couldnt attend school, I could not work & my mother had no oxygen due to all of this! Many of my pay checks have gone into this account, only to be absorbed by negative balances because of the banks lack of professionalism in having one person handle my case but more hands in the cookie jar caused nothing to get done & myself as well as my XXXX children suffered.
Product: Debt collection

On XX/XX/XXXX I contacted Continental Credit CTRL to resolve a medical bill that was placed on my Credit Report. I had called them before I believe in XX/XX/XXXX asking why I was getting collection notices from them in regards to Radiology bills that were due to a violent crime. I gave them the Victim 's Assistant contact information as well as the Assistant D.A. as well as opposing counsel. They disregarded the information and placed the bills on my credit report. The person I spoke with XXXX XXXX at ( XXXX ) XXXX said on XX/XX/XXXX mentioned that she went over the notes and saw the previous info. I asked her then why was it on my credit report if they knew that I was a victim of a violent crime and that it was going to be paid via either restitution or by the Victim 's Assistant Program ( VAP ). I told her that I would check the correct fax number and mailing address for the account and call her back which I did and gave it to here within 10 minutes. She said after I have given her all the numbers and addresses for the VAP, that there was nothing that she could do. I asked her what that meant. She didn't have an answer. I told her that made no sense and why would they be so difficult to a person that was doing everything to get them paid and their credit clear. I asked to speak to her manager and he was unavailable. This company is very ill-informed about the VAP and their ability to pay medical bills if a person is approved. I attempted to explain that to her but she wouldn't listen. I guess their phone calls are limited by time therefore they talk extremely fast and don't have time to listen. Regardless, I spoke with them at least 4 times today to rectify this situation. As well as at least twice before on XX/XX/XXXX I called them twice XXXX XXXX & XXXX after being hung up on by a male.. I don't understand why a company representative from Continental Credit CTRL would be so difficult to a person who is doing everything in their power to get them paid. They are unprofessional and uninformed. They need more training on how to resolve medical billings on the proper XXXX   forms to insure payment. I also asked them if this could be resolved if I contacted the XXXX XXXX practice directly and for that she had no answer. Why are victims of violent crimes made to be punished by not only the assailant but by the credit agencies whom the survivor is trying to pay? This has caused a mountain of stress that is very destructive.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

According to XXXX  XXXX  I owe almost XXXX $ on a care credit card from synchrony bank. They said the date was from XXXX  and i XXXX  XXXX XXXX XXXX  from XXXX Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXX i had paid off all my bills. Everytime i call XXXX, XXXX  XXXX, or synchrony bank no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report and I have disputed the account listed as XXXX/XXXX/XXXX  with account number XXXX on my credit report for almost a year now as fraud. This credit reporting agency and the listed company continues to report this account on my credit report without an explanation as to why or obligation. Whenever I dispute this account, different information associated with the account is reported and/or it is removed and then put back on to my credit report which is illegal. This account is not my obligation and violates my consumer rights which include and are not limited to 15 usc 1681 b ( A2 ), 15 usc 1681ae, 15 usc 1692b, 15 usc 1681b, 15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f. Each violation can be monetized. This credit reporting agency continuing to allow this account to report on my credit is also illegal and violates my consumer rights and I plan to now take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is a collection company working for  XXXX   XXXX . There have been several other companies hired by  XXXX   XXXX  and I have had to go through this.  XXXX   XXXX  hired an independent  contractor  to install a  XXXX   XXXX  system in my residence   in 2012. The representative vandalized my h
ouse. He placed the dish on the roof of which he damaged and was instructed not to. He did a horrible job of stapling cable across my house, of which he was instructed not to do. He made 3 holes through the exterior of my house instead of using the exist  ing one. He threw my storm door open in the wind, of which ripped it off.
I have been through this numerous times with different collection companies. I do not ow  e them anything because this was never made right with me. I do not owe this company to vandalize my residence.