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

To whom it may be concerned, I recently found a lot of my Citi Thankyou points missing. I was appalled to find no transaction history about the missing points through my Citi online account. When I call Citi, I was told by the representative that XXXX Thankyou points were forfeited on XX/XX/XXXX. It was due to the closure of my Citi prestige card I made on XX/XX/XXXX. Actually the Citi prestige card was closed through an automated system and it was done right away without any warning. Although Citi claimed that they notified me by letter that the Thankyou points earned through a closed card would be forfeited if I didn't move or use the points within two months, I was easily misled by Citi 's unclear explanation.

My Thankyou reward was sponsored by both of my XXXX XXXX XXXX access card and the prestige card. When the prestige card is closed, the Thankyou reward account is still valid since XXXX XXXX XXXX card is still open. Citi didn't give explicit statement for forfeiting points in this situation. In fact, the common practices in the industry such as XXXX XXXX 's membership rewards and XXXX 's ultimate rewards are all your reward points are safe as long as the reward account is open. Meanwhile, Citi didn't make the points earning through different Citi cards separated. It didn't show my missing XXXX points are earned through the Citi prestige card and the rest are earned through XXXX XXXX XXXX card. This also lead customers like me to think the points in the entire reward account are the same. 

Citi 's practice of forfeiting rewards is very unclear, misleading, and unfair. Every reward point is earned hard by customers like me. I use the prestige card for more than 3 years to earn this amount of points. For me, the missing points have a worth of more than 500 usd. However, it was taken from Citi in a very surreptitious manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

a late payment was reported on my credit on the month of XX/XX/2021. This is the only time I see a late payment on my credit but it is not due to me not being able to financially make the payment it is actually because the whole state of Texas had a winter freeze that month and we had a major power outage we didnt have cell phone reception no Internet reception we also did not have power it was a state of emergency for the entire state for the most part of almost 2 weeks. My father had told me to reach out to you guys regarding this late payment because I am actually in the process of trying to fix my credit to purchase or my first house for my family and in doing so he told me about the CARES Act regarding the late payment forgiveness and told me to write your company requesting a one time late payment forgiveness. This was a legitimate un-natural crisis that took place on XX/XX/2021 in XXXX TX please delete the late payment off my credit report thank you. 

Exeter is being unreasonable in removing the late payment after a crisis that took place in Texas on XXXX.
Product: Payday loan, title loan, or personal loan

For two years payments have been made to XXXX XXXX XXXX,  however the bill isnt going down being the interest rate is set at 130 %, which causes the terms of the loan never be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

I mailed a dispute letter to the credit reporting agency over two months ago and have not received a response. I believe this a stall tactic by this company. I feel they are disobeying FCRA regulations and intentionally not answering my letter and also in the process of violating my rights as a consumer. The information I'm disputing is causing harm to my credit report and credit scores. Its also causing me to not be able to apply for new credit lines and find balance to the stress they have caused in my life.
Product: Credit card or prepaid card

Please refer to the events that happened regarding this complaint below : 1 ) XX/XX/XXXX - I applied for business credit card from Truist Bank. 

2 ) XX/XX/XXXX - Truist Bank approved the business card with {$20000.00} in credit limit and sent the card to me via mail. 

3 ) XX/XX/XXXX - I used {$20000.00} on the card. 

4 ) XX/XX/XXXX - On first statement, I found out Truist decreased the credit limit from {$20000.00} to {$6400.00} without any notice, and after I already used the card within the limit on XX/XX/XXXX. 

5 ) XX/XX/XXXX - Truist closed account due to over-limit balance on card. 

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

Capitol One Auto has reported my account since last year XXXX as a charge off and my account had not and has not been charged off. For the months of XXXX, XXXX and XXXX, they reported my account as a charge off. Even though I am trying to catch up on my payments, it was still reported as charge off. I spoke with Capitol One about the incorrect reporting and was informed by an agent that customers had been calling in about the incorrect reporting and that they were trying to fix it but wasnt sure why it had happened to a number of people. As of today XX/XX/XXXX, the charge off is still showing on all the credit bureaus from Capitol One reporting it as charged off.
Product: Mortgage

I have requested a loan estimate from a broker named XXXX XXXX at HST mortgage XXXX VA that has taken all my information and yet she denies me a loan estimate and stated initially that the address of the home was not given to her. Once I showed her proof that indeed she was aware of the address she stated that a contract needs to be in place prior to giving an estimate. I requested the loan estimate on multiple occasions and she states she will no longer respond.
Product: Debt collection

I am submitting a second complaint regarding Medical Data Systems. They claimed in the first complaint that they addressed the issue and supposedly provided attachments. However, the attachments did not address the issue at hand or the reason for the complaint. MEDICAL DATA System is the collection company for XXXX XXXX XXXXXXXX system. I had an allergic reaction to medications and was told by the ER to return because the first time they provided treatment was not adequate. Hence, they charged my insurance and an ER copay 2 times for the same issue on 2 different dates for an issue they did not provide accurate attention. Furthermore, I had to go to another hospital on the same day because they medical condition was not adequately handled. I was told I would be charged 2 ER copays for the same in adequate treatment. I have contacted the hospital, and it is never handled correctly. What else is there to expect!! These accounts need to be deleted from my credit report. HOW CAN THE HOSPITAL CHARGE 2 COPAYS FOR THE SAME CONDITION that was not treated correctly- back to back. LOOK AT THE DATES>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX, and Equifax has been violating my rights : 15 USC 1681 sec 602b I have a right to my privacy 15 USC 1681 sec 604a communication. reporting agency can not furnish my information without my written consent XXXX XXXX XXXXXX/XX/XXXX I don't know of this account that is paid - XXXX XXXX XXXX XXXX XXXX XXXX  don't know of this account that is paid - XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has sold my debt from a medical bill it is showing up from two different companies XXXX XXXX and ucb it is appearing as two separate debts and has done 40 points of damage to my credit report. 

This was a Covid-19 related expense and should have been paid however I am getting the run around and I know it was sent to my XXXX I also didnt give permission to share my medical information and I feel that it is a violation of my hippa rights
Product: Credit reporting or other personal consumer reports

XXXX XXXX is trying to collect on a debt that was discharged by the Federal Government. 
See attached 1099 cXXXX XXXX XXXX does not investigate the debt before it starts collection activity.
Product: Credit card

In XXXX of 2023 I applied for an Amex Delta SkyMiles Reserve Card due to a sign up bonus offer received. I was told that after spending {$5000.00} which I did I would be awarded XXXX Bonus Miles and XXXX XXXX XXXX. However, I only received XXXX bonus miles. After numerous phone callas to Amex and being told the situation would be investigated nothing was ever resolved. I also sent 2 complaint letters and filed a complaint with the XXXX XXXX XXXX and Amex still refuses to honor the agreement. I believe they are engaging in deceptive or misleading practices as well as False Advertising. I have the written offer and although I referenced this fact, they still are unwilling to honor the Bonus Offer made to me when I applied for this card. I am asking that they credit my account with the additional XXXX Bonus miles or pay/provide a credit of the equivalent dollar amount value for XXXX Bonus Miles which are calculated at XXXX cents per mile.
Product: Vehicle loan or lease

I filed car on bankruptcy back in 2015 my bankruptcy was dismissed car is been shown on credit as repossession but also in bankruptcy file.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for its failure to conduct a proper investigation into the inaccuracies I have disputed on my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours, claiming the account information is accurate, without providing any substantive evidence of a thorough investigation. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to perform reasonable investigations into consumer disputes.

Additionally, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as demonstrated in the recent CFPB administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations . I urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with the necessary documentation and proof of a proper investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the below items and the credit bureaus failed to invesigate and failed to send me the investigation result within the 30-day period prescribed by 15 U.S. Code 1681i and failed to obtain verification pursuant to 15 U.S. Code 1681s2 XXXX XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

The balance for my mortgage loan through XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for TransUnion and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from XXXX XXXX XXXX ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and TransUnion, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

TransUnion File ID Number : XXXX XXXX Dispute Number : XXXX
Product: Checking or savings account

Starting onXX/XX/XXXX, my personal and business accounts at Chase Bank were frozen, and I have since learned that they were fully liquidated, with all my money being sent to XXXX. There was roughly {$27000.00} in my business account, XXXX XXXX XXXX. In my personal account, named XXXX XXXX XXXX  and XXXX XXXX XXXX, we had our paychecks in there and this amount was roughly {$16000.00} at the time. On the evening of XXXX XXXX, my wife and son left for a 4 week trip to XXXX, with all the accounts frozen. I was to follow, but ca n't now. This all our free cash, and we need it, bills are mounting.
On XXXX XXXX or XXXX, a trust account from US based law firm XXXX XXXX sent me {$870000.00} from their XXXX account to my XXXX XXXX XXXX Chase account. This wire was done to fund a real estate transaction, on behalf of their client. My fee for assisting in the real estate matter is 3 % ( of all amounts ) or {$26000.00} in this instance. My fee is non-refundable. I then wired {$840000.00} out on behalf of that client.
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Four or five days after I executed the transaction, a suspicious activity alert was sent to Chase, and both my accounts were frozen, then drained. No one consulted me in this process. I called both banks numerous times and never got much information out of them, about who did what. I also sent them both faxes, stating I have paperwork on the transaction and client in common. XXXX stole all my family 's money. I also submitted a compliant against XXXX to Ic3.gov and will be calling the FBI. I have in my possession a signed contract, emails, a drivers license and a passport.
I also lodged complaints against XXXX and Chase with the OCC.
<P/>
I was calm for the first few days, as I thought it would get sorted out as Chase told me they would send me all the funds in my personal account, after closing it. I could live on that, while the business transaction was researched. Chase also told me to call XXXX XXXX at XXXX and he would clear it up and allow Chase to release my assets. XXXX never responded to me, but I finally got to speak with XXXX XXXX, there. XXXX told me I am not a XXXX client and they ca n't speak with me. He told me to call Chase and Chase should have known better. I have noted all the calls with the banks, client and have emails and a paper trail. I would had complained much sooner to the authorities, but Chase kept stringing me along, as I mentioned. They also said I would have it all back within 10 business days. The Law firm & the banks needs to give me all my money back. I was a 25 year client with Chase, and this madness.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX XXXX, I have a paypal account about three years ago, they deposit me for my XXXX  therapy and XXXX XXXX services, the problem is that some time ago they started asking me for a certificate from the company which I said that I was in the process since here in XXXX I had problems with my address for a place that I had physical and as I changed my address there were problems with Internal Taxes, at the end last year in XXXX I could fix it after two years with the process and I could get the happy certificate that here in XXXX talk about Initiation of Activities I sent it to him and a month ago that they are with problems that now they limited my account I can not get my money from which my clients have paid me and it is not money laundering in any case and they tell me that in 180 days my account will be returned to me and that is six months withheld which by law they can not do in any country. I need the money I have there and I also want the case to be defended because they are trampling on the rights of international clients. My email is XXXX with that I have the paypal. I hope you can help me, I send them my identification documents and my initiation of activities. regards.
Product: Mortgage

The loan has a 15 day grace period that used to say late after the XXXX. I do not receive paper bills. At some point they changed the terms without notice and the new bills started to say late on the XXXX or after the XXXX. The website clearly states that on the XXXX it will post if its before a certain Pacific time. They initiated the fees even before the time is up and say I am wrong, even when I send them proof of the original paper work and screenshots of there website. I have not paid those fees now totaling over {$400.00}. I have paid any and all fees that I did owe if it was indeed after the XXXX stated in the loan agreement.
Product: Credit card or prepaid card

- I filed an insurance claim guaranteed by my Amex card to Amex XXXX. My laptop was taken within my sight by a XXXX in a coffee shop and Amex is denying it saying it was negligience although the laptop was within my sight.
Product: Credit card

I received a letter with a credit card from Barclays bank. The account was opened on XX/XX/24. I as soon as I received the letter I called Barclays Bank to notify them of the letter I received and telling them I did not apply for that credit card. 

They started asking me for my personal information but I refused to provide the information becuase I did not feel confident providing the information because I did not apply for the credit card. I am not sure how they have my information. I am not sure if they are legitimely bank. They did not want to close the account because I did not provide them with my personal information. 

I also created a fraud alert in the credit report. 

can you assit me on having this account close?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX had collection information removed from credit report. They removed XXXX XXXX XXXX and reached it with XXXX. I submitted a dispute in XXXX and XXXX was removed and XXXX is back on my credit report.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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 - XX/XX/year> Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Vehicle loan or lease

I was divorced and had to place my car in bankruptcy, I didn't want to lose it. Covid-19 hit us and during that time the trustee for bankruptcy was sick and then passed away. The temporary trustee asked that I pay a lump sum of $ XXXX in XXXX, I could not. I then got cleared of bankruptcy and called Santander in XX/XX/XXXX to work out a settlement, in which they did and it was reasonable. I also asked if they could lower my monthly bc I was struggling with the {$490.00} that was issued to me in the settlement, Santander declined to lessen my monthly payments. I was then furloughed by my former job by 10 hours in XX/XX/XXXX. I constantly called Santander and told them I was struggling and asked to lower my monthly again but to no avail. 
I made less payments bc I could not pay with less pay, food prices soared, gasoline went up, all utilities did as well and my rent increased as well. 
I got an interview with my current employer, another bus company. 
I gave my former employer 2 weeks notice and he held my checks. I had no money for rent, car, food, gasoline and I had been working at another job but had to wait 2 extra weeks for pay, so 4 weeks without pay at that time. 
I was constantly calling Santander and told them I would be making larger payment XX/XX/XXXX when I have pay day. They repossessed my car XX/XX/XXXX. Santander did not warn me, did not submit a letter of repossession, Santander was cold and deceptive in not being honest about my car being fine until the following Friday which was my full pay day. Very unfortunate of this loan company for hard working people like myself, who deserve a second chance and patience knowing the situations at hand. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

An ex employee/ business partner XXXX XXXX XXXX XXXX XXXX XXXX XXXX  personal and company information from my XXXX XXXX after being told his services were no longer needed due to deceitfulness, dishonesty and poor attitude on multiple resulting from multiple scenarios. XXXX stated the words that I was not going to eat ( gain financial wealth of positives ) while in his face. XXXX also stated that he has all of my information etc. Multiple trackings of notes and complaints have also been kept for account reconciliations and the security of my wellbeing. Contacted the authorities of XXXX Police Department and XXXX XXXX Ga and placed a police report. An arrest was made earlier this year 2023 in XXXX XXXX Ga for XXXX XXXX XXXX from a high speed chase. Some information was recovered however, my personal and company 's information as well the info of some of my clients.
Product: Student loan

I have tried on numerous occasions to get Navient to consolidate my loans into a extended graduated repayment plan. I have completed all the forms and submitted twice with no luck. I have been unemployed and on forbearance for a long time. I just started working again with a lot of debt and a new dependent to my family. I want to do the right thing, but I need to have all loans consolidated as I owe XXXX and on am extended graduated plan. I reached out to FASA and the system referred me back to the loan service provider Navient.