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

I opened a checking account with Citizens Bank using a promotional offer code XXXX. 
Under this offer, Citizens Bank is offering a bonus of up to {$400.00} when you open a new checking account, as follows : To earn a {$300.00} bonus, open your first new personal checking account between XX/XX/XXXX to XX/XX/XXXX and have at least XXXX single direct deposit of {$500.00} or more post to your new checking account within 60 days of account opening. 
To earn up to {$100.00} : Get paid {$2.00} per qualified debit transaction ( up to {$100.00} ) that post and clear your new checking account within 60 days of account opening. 

I have met all offer requirements ( please see description below ), but I did not receive my {$400.00} bonus. 
XXXX. I opened my account on XX/XX/XXXX. 
XXXX. I received a direct deposit on XX/XX/XXXX XXXX. I have made XXXX debit card transactions that were posted and cleared in my new checking account within 60 days of account opening. 

After meeting all requirements and before I received my {$400.00} bonus, Citizens Bank notified me that they have closed my account on XX/XX/XXXX. 

Although I met all the requirements, I did not receive the {$400.00} Bonus. Based on the clear terms and conditions the Bank is legally required to pay me the {$400.00} bonus.
Product: Student loan

I was approved for a refinance student loan in XXXX of 2021. According to Commonbond, that loan was disbursed on XX/XX/2021. However, my previous lender has not yet received a disbursement check and has continued to expect payment. According to Commonbond, they issued a check but it was returned. I was not informed of this until XX/XX/2021. 

Rather than contacting the lender for an explanation, Commonbond sent me an email requesting the mailing address on that date. I did not see the email until later when I was charged again for both loans. I sent my response with the address provided by my previous lender on XX/XX/2021. I did not receive a response to my email. 

I contacted Common bond on XX/XX/2021 to confirm receipt of my email. They confirmed that the email was received and that a second check had not yet been issued. The representative said that he would forward this issue to his supervisor and would send an update the next day via email. I did not receive an email. I called again on XX/XX/2021 and was told that the representative had no additional information and would follow up with me later that day. I did not receive a call or an email with more information. I called again on XX/XX/2021 and was informed that a second check was not yet issued and that the representative had no information to share and could not provide an accurate estimate of a response time. I requested that further steps be taken to ensure that this issue is resolved. They declined to take further action and repeated the offer to follow-up with an email. 

Throughout this time, Commonbond has required payment of this loan despite not paying off the original loan. This has resulted in double payment for several months. 

It is unacceptable that their customer service representatives do not follow-up on their commitments to address this issue It is also unacceptable that they do not have any information to share when reached by phone.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had several loans with the Department of Ed/XX/XX/XXXXI was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/XX/XX/XXXXand there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Product: Debt collection

I have previously attempted to resolve this with Discover with no luck ... This account was opened as a result of identity theft and not mine. Police reports have been provided as well as fraud affidavit form. XXXX XXXX XXXX : Account # XXXX ... Total balance of {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I have attached email filter results showing the Lexis Nexis is untrustworthy and absolutely lying about having sent an email to me on XX/XX/XXXX. This type of violation and unprofessional conduct should not be tolerated and should be considered when judging this dispute. 


in CFPB Complaint : XXXX I provided the letters from the XXXX they claim represented me in the alleged Bankruptcy. Any reasonable court or judge will accept the denial of the alleged law-firm as sufficient evident to require deletion of these records from my credit profile. 

Lexis Nexis is outrageous with their stalling and lying. They fail to properly investigate my dispute. I investigated by contacting the court and the lawfirm and both of these entities say this is not my bankruptcy. Lexis Nexis is using incompetent people who can not read or speak XXXX at the necessary level to be able to provide fair and accurate reporting nor complete proper investigations. Please read the documents and understand. Its clear that you should just delete this and stop harming me! Call the XXXX lawyer that your false record says I used. 

They constantly tell lies and evade questions. 

I have attached the identification info they requested, but these folks know my profile and know that I am who I say I am. I am exhausted with them. They need to delete this record now. If Lexis Nexis fails to delete this record and send me a copy of the report showing removal. My lawyer will be filing lawsuits against them asking for fines, emotional damage, lost of wages, heath bills, etc as compensation for the back and forth constant disputing I have had to due for years fighting this false information they keep reporting!
Product: Credit card or prepaid card

Complaint against : Citi Cards, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Account No : XXXX I am a XXXX ( XXXX ), on XXXX XXXX I made an online reservation for, XXXX XXXX in New York on XXXX XXXX, for my daughters XXXX birthday, for XXXX XXXX. 
Two days before I called the hotel to request a room with view of XXXX XXXX, they told me it was not the XXXX XXXX on XXXX XXXX, they were willing to cancel my reservation free of charge since it was more than 24 hours before my scheduled arrival, however they told me since the booking company has already charged my credit card, I need to call the booking co. I called the booking co, had to make multiple calls/holding for more than two hours, I was told that I can not cancel my booking, since I had to do it 7 days in advance. 

Then I called Citibank my credit card co to dispute this charge, they sent me a letter dated XXXX XXXX, which states " since merchants not agreed to accept your cancellation request, we are unable to assist you in obtaining credit for this dispute ''. 

Its industry standard, hotels charge your credit card on check in, you can cancel your serration 24 hours in advance. 
This booking co ( XXXX XXXX ) had total disregard for these industry standards, and also charged my credit card XXXX days prior to my arrival, {$710.00}. 

When I contacted Citibank, they failed to provide me any consumer protections.
Product: Credit card or prepaid card

First off, we have used this card for everyday purposes as well as when we went on our cruise most recently in XXXX. We have paid off this card twice in the past 6 months and expected to get a credit card limit increase however that never happened. 

We had to utilize the cash advance option after the card was completely paid off, which is an option that is offered by the credit card company. We utilized this to pay our rent last month due to trying to utilize actual funds ( from our paycheck ) to pay for some concert tickets which resulted in costing more than we had saved up for them. Our funds from our paychecks came up short and rent had to be covered by this cash advance. 

Barclay never reviewed my credit report until i used the cash advance option in which, they decreased my credit card limit by {$1400.00} from {$2500.00} to {$1100.00}. While i understand that my overall credit utilization is high, i think that this limit decrease was quite drastic and uncalled for. This has caused me to reconsider my use of this card going forward since Barclay clearly does n't care of my usage until I make a questionable transaction utilizing one of the many options on the card, the cash advance. 

Barclay could have simply contacted me about this recent transaction and found out why it was used. Instead, they treated me like a number and just took action on the card without my prior knowledge. Barclay does n't care about its consumers. 

And due to limit decrease, it also made my credit report look worse for my other credit card issuers which could cause any one of them to do the same and tank my credit just because i used the cash advance option, which is an available option as part of the credit card.
Product: Credit reporting or other personal consumer reports

They are violating my privacy per title XXXX part XXXX I never gave them written consent to put this information on my report. 

The XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ) is a federal law enacted in XXXX  that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX XXXX XXXX XXXX XXXX. It also applies to any state or local XXXX  agency that receives funds under an applicable program of the XXXXXXXX XXXX XXXX XXXX. 

The Act serves two primary purposes : It gives parents or eligible XXXX  more control over their XXXX  records, and It prohibits educational institutions from disclosing personally identifiable information in XXXX  records without the written consent of an eligible XXXX, or if the XXXX  is a minor, the XXXX parents ( XXXX U.S.C.S. XXXX ( b ) ). 
An eligible student is XXXX who has reached age XXXX or attends a XXXX  beyond the XXXX XXXX XXXX 

Subpart DMay an XXXX  Agency or Institution Disclose Personally Identifiable Information From XXXX  Records? 

XXXX Under what conditions is prior consent required to disclose information? 

( a ) The parent or eligible XXXX  shall provide a signed and dated written consent before an XXXX  agency or institution discloses personally identifiable information from the XXXX  's XXXX  records, except as provided in XXXX. 

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( 1 ) If a parent or eligible XXXX  so requests, the XXXX  agency or institution shall provide him or her with a copy of the records disclosed; and ( 2 ) If the parent of a XXXX  who is not an eligible XXXX  so requests, the agency or institution shall provide the XXXX  with a copy of the records disclosed.

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Product: Checking or savings account

Someone opened a Bank of America checking account. Got a letter on XX/XX/2024 with a PIN number to a debit card I did not open and the last XXXX of the debit card number. Got another letter from Bank of America saying I had an item unpaid in the account and attached a copy of a check written from Bank of America to my name dated XX/XX/2024 for {$2700.00}
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have owned my home since 2014 and the mortgage has been paid in full. XXXX, XXXX and Equifax is still reporting on my credit report a balance from of XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Consider this as a follow-up to my previous attempt to file a complaint Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

In XXXX of 2022, was denied credit by Citibank when I applied for a Citi Premier credit card. 

I have proof that I was discriminated against by Citibank due to the response I received about my credit worthiness dated XX/XX/2022, and XX/XX/2022. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1692k.

Citibank is in violation of 15 U.S.C. 1641, 15 U.S.C. 1681m, and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used, and I received NO benefit.
Product: Mortgage

At the direction of HAMP solution center at treasure department, I sent modification request to my lander on XXXX XXXX, 2015. Today is XXXX XXXX, 2015. No one has bothered to contact me regarding my request. I have tried to reach out to them and they been told that they have gotten the paperwork and someone would be in touch. Nothing ever happens. ON the other hand, i just got a letter from Trustee, XXXX, that the wells fargo has hired them to conduct foreclosure sale. This double tracking is direct violation of California homeowner 's bill of right. Please help.
Product: Checking or savings account

BRANCH BANKING & TRUST BANK ROUTING XXXX account # XXXX DATE OPENED XX/XX/XXXX CLOSE DATE BY XXXX BRACNH MANAGER XX/XX/XXXX my XXXX XXXX XXXX  states XX/XX/XXXX a lie. Everything on this account, I called XXXX Specialist ID # XXXX a XXXX XXXX XXXX. XXXX ( XXXX ) XXXX Who didnt care I was called XXXX BY XXXX XXXX XXXX , NJ BRANCH. XX/XX/XXXX XXXX XXXX BB & T card based services who stated she called me which she didnt. How can I call Them when u need a PIN number to speak to a rep? The credit card which was stolen and used by my landlord XXXX No activity on my credit report. I went into 7 different branches in Nj just to be told my account is closed. Im XXXX in pain XXXX. When I left the XXXX branch in XX/XX/XXXX. I called customer service after the XXXX XXXX Branch manager closed my account right in front of me. The two charges by scamming XXXX of XXXX XXXX, Nj {$1500.00} a lemon and scamming XXXX XXXX XXXX, {$3500.00}. XXXX XXXX XXXX SUNDAY CALLED ME A XXXX AS WELL. YES, XXXX  NJ. Not in XXXX XXXX XXXX & beyond. I will not be called a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account information incorrect
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items 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 items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously sent letters to Transunion asking that all hard inquiries be deleted because they were done without my express consent as noted in FCRA 15 USC 1681 ( b ). I have a security freeze on my account, and even at that there are well over 25 plus hard inquiries where Transunion provided my credit file to the same agency over several months In XXXXXXXX XXXX XXXX I experienced an assault, home invasion, and the theft of my purse with all of my identification. I have not felt it necessary to disclose this information heretofore as it is very personal and traumatic. To further said trauma, Transunions ' unauthorized disclosure of my credit file and refusal to delete said hard inquiries just add to the damages, driving my credit score so low that I can not rent an apartment or buy a car without exorbitant deposits and interest rates. I am attaching my formal Notice of Intent to Sue to this complaint that was mailed to Transunion today XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX )
Product: Debt collection

If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. I contacted the banks, I talked to someone within the company to confirm the documents had been received and they informed me that they never receive documents from the CFPB. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The original contract, creditor information, payment history and proof of ownership is needed {$8000.00}
Product: Credit reporting

I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Theft XXXX XXXX, On XX/XX/2018, what shouldve been a simple request to wire funds from my XXXX Equity Line of Credit account to an Equity Line of Credit account managed by Bank of America, your employee with assistance from a Bank of America employee intentionally sabotaged the funds that were to be wired to my Bank of America Equity Line of Credit account. 

Bank of America intentionally returned the funds to XXXX in order to exact a {$40.00} fee in addition to XXXX {$20.00} wire fee. All excuses specific to why the funds were returned were blatant lies, lies in retaliation for a prior complaint that I filed with the Consumer Financial Protection Bureau against XXXX and Bank of America. 

Even though the theft of my {$60.00} is disheartening, having to go to a XXXX branch and be forced to argue with a XXXX employee about poorly trained XXXX employees was a very scary time for me. A XXXX man, arguing with a XXXX  woman in a bank caused me to be in fear for my life. 

Moreover, if your employees needed a laugh and decided to have fun with the XXXX, then, I sincerely hope that your employees have satiated their constant cravings for XXXX amusement. Ha! Ha! Ha! .You have a nice home and a financially rewarding job. Do you really need to XXXX me in order to acquire more money? 







Cc : XXXX XXXX XXXX-CEO Bank of America XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XXXX XXXX XXXX- XXXX Branch Manager XXXX XXXX XXXX XXXX 
XXXX XXXX, Md. XXXX-XXXX
Product: Credit reporting

I noticed in my credit reporting that no agree to stay mortage - closed then I need delete mortgage - closed because if my ex husband happen and unable pay for mortgage in XXXX but I ca n't afford. I was divorced in XXXX 2007 and I signed quit claim deed and gave him to own his house then I do n't want to keep house. I have payment for rent in apartment in XXXX that ca n't XXXX rent and mortgage in XXXX cause my low income for XXXX to hardship and not money. I called in TransUnion and waiting to remove but they said 60 days. My ex husband bought house in XXXX and his ex wife divorced. We moved to XXXX and bought house then he spend to loan often.