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

I opened a citi bank priority account because of the sign up bonus at my local branch. The banker assisted us and verbally told us that u deposit XXXX in the account within 90 days and maintain at least XXXX for the next 3 months you will get XXXX bonus. The banker even watched us deposit the first huge chunk of cash to this new opened account. 6 months after I contacted Citibank regarding to this bonus. First agent told us it will hit in my account within 2 days, and yet nothing after waiting. Tried to contact them again and then the agent told us cash deposits dont count. Well the banker is your employee. If cash deposits dont count why would he watch us deposit the money. And also, why he didnt explain or at least point out this method doesnt count. 
My money was stuck in this for 6 months for nothing while Citibank can use my money to generate more interests and profits? 
This is totally a scam. I even did research to see if this only happened to me but I saw many people got the same issues too until they have to go through this step. 
This is annoying why did I even bother to open this account and put my money in and not able to use them for 6 months without getting the bonus. 
I get it if I didnt read the term if I did thing promotion online. But we were at the branch and trusted your employee!
Product: Debt collection

I DO NOT OWE SOUTH WEST CREDIT SYSTEMS {$2.00} I KEEP DISPUTING THIS. I AM CAUGHT UP IN XXXX BREACH WHICH THEY NEED TO DISPUTE ALL THIS OFF MY CREDIT FOR GOOD, CREDIT MONITORING NOT DOING ANYTHING THEY REALLY NEED TO BE SUED FOR XXXX IF I CAN. I AM NOT GOING FOR NO THATS NOT FAIR TO ME OR ANY OTHER PERSON CAUGHT UP IN THE XXXX XXXX SO THERE IS SOMETHING THAT NEEDS TO BE DONE. YES DISPUTE EVERYTHING ON XXXX XXXX XXXX XXXX XXXX YEAH I APPLIED SOMEBODY STOLE THAT TOO. NOW I CANT GET AN ACCOUNT. ITS GETTING ANNOYING KEEP HARASSING ME OVER DEBT NOT MINE DELETE IT FOR GOOD. FOR I FIND OUT HOW TO SUE
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I have called several times to get access to my report, i have also mailed in disputes from other reports from other sites. I mailed my identification and i still have not gotten access to my reports online via their Direct websites. I am also unable to dispute items because of this.
Product: Credit reporting

I was helping a friend by co-signing for her residential rental. I obtained both our credit reports from Experian online as a requirement of the rental application. Online it says you will be charged {$1.00} for each report. I thought I was only paying {$2.00} ( XXXX for each report ). Then they started charging my credit card monthly for ongoing monitoring that I was unaware I was signing up for. Unfortunately I did not notice right away. It was {$21.00} x XXXX for myself and my friend. I finally had time to call Experian and they said in fine print when you order your {$1.00} credit report you are automatically signed up for monthly monitoring for your lifetime unless you cancel within 7 days. I am a XXXX so am not stupid. I did n't see/notice this fine print. I looked online at YELP to see if others have this problem. They have XXXX star and XXXX reviews and almost every review says that the customer was fooled into paying for this monthly monitoring service without knowing. I can afford this mistake. Others who have less money and are trying to get a job or a rental and are n't as educated can not afford this mistake. Experian refused to refund my money when I spoke to them on the phone. Please please help the less fortunate people be able to access their credit report without being " played '' by this company. Please also review the YELP reviews. This many people ca n't be wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX XXXX XXXX Bankruptcy Court. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Equifax shows I have 10 accounts reporting negative information but none of them are listed on my file. I only show one closed account in my report. Ive already contacted Equifax to get this resolved but they did not resolve the issue.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with XXXX balance of $ {$270.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

So I have reached out to waypoint management group dozens of times and each time they have no record of me having an account. They said I need to reach out to XXXX to talk to their collection department. I called XXXX and was told that my account says its been paid in full and that there is no record of me having a debt. Also this account is over XXXX XXXX XXXX so regardless of the information the account should be removed from all credit agencies. Now all agencies have removed it except XXXX. They refused to take it off.
Product: Vehicle loan or lease

Acct number XXXX On or about XX/XX/2021 my XXXX XXXX was repossessed and later sold at auction and is currently listed as a Paid/ Charge off on my consumer reports. I have not However received a 1099c tax form. 
I am requesting that this document be sent to me via mail to address XXXX XXXX XXXX XXXX  XXXX XXXX, Fl XXXX within the next 15 days.
Product: Credit reporting

This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Checking or savings account

My bank account was flagged for unusual activity on XX/XX/2023 after my federal tax return for {$26000.00} was deposited into my checking account on XX/XX/2023 from the irs treasury department. I transferred {$9000.00} to my XXXX XXXX  account & {$17000.00} into my chime savings account as soon as it deposited on XX/XX/2023. Then I was locked out of my account on XX/XX/2023. I provided all documents that chime asked for. Chime still closed my savings & checking account & chime credit card on XX/XX/2023 & said I wont receive a refund. I only received automated responses via email. I learned through research that this is very common with chime online bank & there is a lot of other people going through this. Chime has a lot of cfpb complaints. This is putting my whole life on hold. It was {$37000.00} in my savings account & {$190.00} in my credit builder account. Ill be looking to hire a lawyer also.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft and there is an active report with FTC. The following inquiries I did not do. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXXXX/XX/
Product: Debt collection

I think they sold my private information to XXXX XXXX lenders. 
Horrible and cruel customer service/management Lack of Communication Unfortunately, the prompts before this didn't quite explain my situation. I had just found out that my loans had defaulted and been with Pioneer Credit Recovery ( under Navient ) for a while. I was looking to get back into school to finish my XXXX  and begin my XXXX XXXX to, in part, pay back that student loan debt. It wasn't until a bunch of phone calls when my financial aid was blocked that I even knew this company ( evidently in the midst of a pending lawsuit for harmful business practices ) was to collect my debt at all. So, there's one complaint right there. 

Now, I reached out to them on Thursday, the XXXX  of XX/XX/2021 to discuss my options since I would like to get back into school. Their first suggestion? Ask your parents and your friends for money. That is just a cold and cruel request that they know is entirely realistic and they might as well have called me a XXXXXXXX XXXX. Next, they offered the long term repayment plan that seems to be the one that they are being sued for. They offered a quick robo call type explainer on it and I was informed I could ask any questions I had about it. Well, it was a ton of information. I wouldn't even had known where to begin as far as questions go. Felt like a scam to me if I am being entirely honest. And turns out, based on other complaints, it was for many other people. 

I decided to consider my options and hung up the phone. 3 business days later, on Monday the XXXX of XXXXXXXX XXXX I got something in the mail I had not seen in years ; A letter for a quick cash loan offer from XXXXXXXX XXXX XXXX. At first I thought nothing of it, but then I considered my situation. How odd is it that I have this conversation just three business days earlier and suddenly, out of nowhere, I am now beginning to get these types of letters again for the first time in years. 

So I called them again today Tuesday the XXXX of XX/XX/2021 to find out what other businesses they might have communications or affiliations with. As you might imagine, it was mostly useless and kept being passed on to the next person. Eventually, I got on the call with a manager at Pioneer Credit Recovery Inc. named XXXX XXXX. He consistently walked around my questions, opting to just say over and over again that they communicate back and forth with the government. Eventually though, he mentioned that Navient has communications and affiliation with all sorts of companies. 
The entire time, he was very cold. When I asked about the lawsuit, his response was that it was just people who didn't want to pay back their loans taking advantage of the system. 

After the advice and cruel nature of their management and business practices, I do not trust for a second that they are not selling our information to people in an attempt to make money during a time that I am certain they are absolutely hemorrhaging financially. I'm now wondering if this has happened to other people.
Product: Checking or savings account

I am filing a complaint about the BMO Harris Bank because I have received a bank statement about a checking account that was opened under my name without my approval nor my knowledge. I have never opened any type of bank account with BMO Harris Bank as I live in New Jersey and there are no BMO Harris Bank branches that are located in New Jersey. I had called the phone number that is listed on the bank statement a couple of times to verify who had opened this account but they refuse to disclose this information by either stating this this account does not exist or that they would close this account and submit a " credit dispute '' so that this would not negatively impact my credit score. I highly suspect that this is a case identity theft because in addition to opening the checking account without my approval nor my knowledge and not disclosing the information that I was asking for ; the bank statement that was sent to me appears to be fake as the po box address that are listed on this letter are inconsistent and does not match with the actual bank branch addresses that are listed on BMO Harris Bank 's website. I would truly appreciate it if someone can please take a look into this matter and take the necessary steps to report this company to appropriate law enforcement authority or make the public aware about these fake bank statements are being sent from BMO Harris Bank. 

I had filed a complaint with the XXXX XXXX XXXX about this matter. The response that I had received from BMO Harris Bank was the following : " We are in receipt of the complaint for the above referenced consumer. We welcome the opportunity to respond to the consumers inquiry. A letter was placed in the mail to the consumer on XX/XX/2023. We are not posting the contents of the letter in this forum. Please let us know if we can assist further regarding this matter. Thank you for taking the time to bring this matter to our attention. ". In addition, I received a letter from BMO Harris Bank acknowledging that the bank account was opened using my personal information without my authorization and they had recommended that I should file a complaint with the Federal Trade Commission about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed account on XXXX and XXXX against Santander consumer usa because its shows two different payment months. XXXX shows XXXX and XXXX shows XXXX.Both can not be correct and it keeps getting verified as accurate.This is the fourth attempt and nothing is changing which is affecting me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State as well as federal courts have jurisdiction over suits brought pursuant to 42 U.S.C. 1983, which creates a remedy for violations of federal rights committed by persons acting under color of state law.

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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Delete this account. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/year> Delete this account. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account 13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Delete this account
Product: Consumer Loan

I purchased a used car in XX/XX/XXXX I was supposed to be done paying it off in XXXX XXXX. The company says my loan has matured and I am now being charged XXXX dollars a day until its payed off. I also am not able to view my account online.
Product: Mortgage

Navy Federal Credit Union is still limiting access to accounts due to a message box pop requiring a phone number to continue ( XX/XX/2016 ). There is already a valid email contact address on their file that they have used before. There is no additional information on the popup, but yet their billing rights, which is very difficult to find, clearly states 'phone calls will not preserve rights '. This is deceptive conduct by NFCU, even though they signed File No. XXXX, to get people to waiver their rights.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b that the 3 bureaus are required to delete any item listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information in my credit report. 

XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # has violated my rights. 

15 USC 1681 section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I wired {$50000.00} to Bank of America at XXXX # XXXX for further credit to their client, XXXX XXXX XXXX, XXXX at account # XXXX. The money was wired from my checking account at XXXX. 


After 12 days, a Trace Report with number XXXX was conducted by my bank, XXXX, to find out what Bank of America still needed. Bank of America responded stating that they needed me to acknowledge the legitimacy of the wire. 


My bank, XXXX, sent notification to Bank of America that the wire was a legitimate request and Bank of America allegedly released the funds to XXXX XXXX XXXX, XXXX and a transaction reference number was provided that confirmed that the money was released and available to XXXX. That number is : XXXX After it was reported to me that the wire had not been released to XXXX XXXX XXXX, XXXX, I requested a recall of that wire through XXXX on XX/XX/year>. The same Trace Report number of XXXX is the reference number for the retrieval of the wire. 


As of today, XX/XX/year> there has been no acknowledgment by Bank of America that the wired assets were released to XXXX XXXX XXXX, XXXX, as Bank of America is apparently now conducting an investigation to determine if their client is engaged in potentially fraudulent activity. 


XXXX also confirmed today they have received no response to the wire recall request from Bank of America. 


I believe Bank of America has no right to hold these funds for a month now in lieu of some internal investigation, and should have contacted my bank or myself to return the money, as it was not delivered to its intended recipient.
Product: Mortgage

I have repeatedly asked, faxed, and e-mailed Carrington Home Mortgage for an itemized list of all late charges since they obtained our mortgage- specifically wanting details of exact charges and why. They have refused to comply other than mailed documents that literally were just numbers on a page. Now Carrington Mortgage is charging a {$5.00} " convenience charge '' to pay our mortgage online. The only way to pay our mortgage without a fee is to enroll in their automated system, which disallows a grace period, and is in essence, other than that exact method of allowing them to take money automatically from my bank is the only way to stop them from otherwise charging me to pay my mortgage on time. This is called " pay for pay '' and in currently illegal in several states. There is currently a class action suit being developed against Carrington and other companies that use this unethical, and often illegal method. Please address with this with them. I will also write to my elected officials and publicly share my experience on various forums and media.