23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2017 XXXX {$2200.00}
Product: Checking or savings account

I received a promotion to open a checking account at BMO bank ( Exhibit 1 ). To receive {$600.00}, the terms stated : 1. On Day 120 after account opening, your Average Collected Balance over the 120 days must be at least {$10000.00}. 
2. Have at least ten ( 10 ) electronic transactions post to the account within 120 days of account opening. 

I did not understand the meaning of Average Collected Balance and the branch manager at the XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, explained that it simply means money deposited and not later returned. XXXX XXXX confirmed that I may deposit a check and that the first day of the 120 days would be on the day that the check is deposited. 

I opened the account on XX/XX/XXXX at the XXXX XXXX XXXXXXXX and XXXX XXXX again confirmed that the check deposit would be day one of the 120 days period. I deposited a check for {$10000.00} at account opening. 

There was an issue with a charge on the account that was corrected on XX/XX/XXXX and XXXX XXXX confirmed that the average collected balance would be above the required {$10000.00} [ for the {$600.00} bonus ] if the current balance was held until the end of the 120 days ( Exhibit 2 ). 

My statements ( Exhibit 3 ) show the {$10000.00} deposit on XX/XX/XXXX, eleven electronic transactions ( XXXX ) and an average balance above {$10000.00} until XX/XX/XXXX ( 123 days ). However, the bonus payout on XX/XX/XXXX was only {$400.00} instead of the expected {$600.00}. 

XXXX XXXX investigated the issue of the reduced payout and found out that he himself had received incorrect information from the bank, and that the information that he had provided in turn was incorrect. Apparently, BMO did not start the 120 days clock on the day that the check was deposited but at some later date. I assume when BMO lifted the check hold? This is not even shown on the statement! The calculated average balance was therefore somewhere between $ XXXX {$10000.00} and this only qualified for the {$400.00} bonus ( See Exhibit 1 ). 

XXXX XXXX was very sorry for the incorrect information he had provided, and he and his manager requested that I receive the missing {$200.00} for the full {$600.00} bonus ( Exhibit 4 ). 

Unfortunately, the bank refused to pay the {$200.00} despite the incorrect information that I had received ( Exhibit 5 ).
Product: Checking or savings account

I was contacted on XX/XX/21 apprx. XXXX XXXX. and XX/XX/21 apprx. XXXX XXXX from " Bank of America XXXX Fraud Department '' stating that someone had setup a XXXX transfer from my bank account to a XXXX XXXX account. They stated to prevent his from going through that I would have to set up a XXXX tranfer using my name and contact # of which I did in the amounts of {$100.00}, XX/XX/21 and {$3100.00}, XX/XX/21. They also informed me that the funds would be refinded back into my account after 24 hrs. which did hot transpire. Contacted Bank Of America and spoke withh the XXXX Fraud Dept. and was informed that I basically fell victim to a scam. Also infrormed that this scam has been ongoing problem with B of A customers
Product: Credit reporting

I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX  for the past 10 years.While XXXX  someone was using my identity to buy a car.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Account Number : XXXX Collection Agency : XXXX XXXX, Account Number : XXXX, Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX, In accordance with 15 USC 1692g XXXX I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to Experian, XXXX, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX XXXX and Equifax should remove XXXX XXXX XXXX  reporting immediately from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion a plethora of times over the last 6 years regarding the inaccuracy of bankruptcy and other accounts listed on my account. They quickly deleted the accounts but will not delete the bankruptcy regardless of all the documentation i have provided. I have submitted court documentation and police report showing that my social security was fraudulently used in XXXX and XXXX. I recently disputed the bankruptcy and less than 24 hours it came back verified AGAIN. I have asked numerous times how they have verified the bankruptcy through a procedural request and get a generic response via a letter. I have contacted the courts and they have put in note in file that social security number attached is erroneous, so if Transunion actually went to the court house and did their due diligence they would have seen the note in the file along with police report i provided them!! Furthermore, I provided transunion a copy of my XXXX XXXX   report that doesn't show i have ever used the name XXXX XXXX OR ever filed bankruptcy. Yet, the continue to refuse to tell me how bankruptcy is verified as they have not stepped foot into a court house to look into the file and verify information i continue to report to them!
Product: Credit reporting

I have never lived in New York which is the latest address reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

I 've had several issues with my Credit card issued from  Citibank,  account number ending in  XXXX . In the past  two  months, I 've made a total less of  XXXX  transactions, and  XXXX  of those I had to initiate a chargeback due to the merchant not complying with a refund and cancellation request.      Citi  makes it hard to follow up on news from a chargeback.   I follow up with citi providing documentation about my dispute and send mail vi a usps   first class  .     Citi st ates they did not receive my chargeback dispute information.   Customer service is not useful and repeats that I need to follow procedure I already did.      XXXX  transactions that I disputed, and the chargeback was not in my favor were :  XXXX / XXXX / 2017  {$100.00}  XXXX   XXXX   XXXX   XXXX    XXXX   This  XXXX  I disputed because the website did not properly complete its workflow. I attempted to purchase this ticket several times and it resulted in my getting an error page on  XXXX   XXXX . I contacted  XXXX  by phone and they stated that no charge occurred, and at the time no charge was listed on citi. I also contacted citi support via chat and they said the same thing. I attempted to purchase this ticket with several credit cards from  XXXX  and  XXXX   XXXX , and they all resulted in the same error page on the website and on those different banks did not put a charge on the credit card. I initiated a dispute, and  Citi defaulted to that the merchant responded and closed.  I did not use the flight, I did not check into the flight and I was not aware the flight had book. Ultimately I purchased a flight on a competing airline that did not give me an error when I attempted to purchase a ticket.      XXXX / XXXX  /2017  {$79.00}  XXXX    XXXX    XXXX  CA This  XXXX , cancelled via the merchant 's website, which forced me to contact their support, and they gave me the complete pitch which after refusing several times, they said they would cancel my demo membership and not charge my account.   I have email documentation saying I need to contact their support, but no  further documentation that account was cancelled. Citi sent paperwork, I replied with a printed form of the email I received from the merchant stating I needed to call them, I gave a statement I signed to citi explaining the situation and citi states they never received it and reversed the credit.      I am a responsible credit card user, I currently have no debt on these cards with   Citi, and my experience dealing with Citi makes me consider my relationship with them and the possibility of cancelling my credit cards with them. I do n't need citi, and the more I reach out for help, the more I 'm frustrated.
I plan on following up both these cases with Citi, but, I should not have to go through a game of following up online chat, phone call and replying by postal mail that now I feel has to include tracking to make sure it was received.
I 'm writing this to document my poor experience with Citi.
Product: Student loan

I already have one complaint filed. My loans were changed from XXXX XXXX to Mohela in XXXX. With XXXX XXXX  I was approved for a XXXX dollar payment for 12 months on the save plan. When I got moved over to Mohela they changed my payment to XXXX dollars. After numerous attempts of calling to get to a supervisor, I finally was told to upload my letter of approval and that they would fix it. I called again on XX/XX/XXXX to check on the status and was told by a rep that If I reapply he can fix it that day. I say great I give them all my tax information that they needed and he said I was approved for the save plan with a XXXX dollar payment. I was told this will take time for processing and to watch to make sure its processed before my forbearance runs out. I get an email on XX/XX/XXXX that my IDR was approved. I login to pull up letter and the payment shows XXXX dollars instead of the zero I was told it would be by the supervisor I spoke with in XXXX and the representative I spoke with in XXXX. With XXXX XXXX  it was XXXX a month based off my same tax info and I had two billing cycles. Before I was switched to mohela and the payment amount was the correct XXXX a month. I have been running in circles with mohela for months now trying to get this fixed and they are not taking care of their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX Citi Bank CBNA has left unautorized hard inquiry on my credit file at XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX so i didn't autorize to pull my XXXX Credit Bureau
Product: Money transfer, virtual currency, or money service

I am filing a compl

aint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Th
ese actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 

XXXX XXXX Reported : XX/XX/2020 {$7100.00} There is no contract, no valid claims ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Vehicle loan or lease

PNC is not letting me apply for the car loan giving from XXXX.
Product: Checking or savings account

I received a call yesterday saying the caller is from Citi bank and he wanted to inform me that someone in Kentucky spend XXXX dollars in XXXX with my card, and he wanted to know if I recognized it. I told him I didn't recognize it and he said he will cancel it for me and he asked if I receive the Citi online ID code with the text message. I told him the code and he used it to transfer all of my money from my saving account through XXXX. At the same time, he started to transfer my money away. so I don't have to worry about the transactions that I didn't recognize and he assured me that the team would start an investigation team to work on it. He also stated that the new card will arrive in three days, so I believed him. His number is XXXX. I have no idea how he could just use the Citi online ID to access my account since I didn't even tell him my account number and password.
Product: Debt collection

This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.
Product: Checking or savings account

Hello, my XXXX checking was overdrawn due to an oversight and I called in to ask for a fee waiver. I spoke to XXXX different representatives that agreed to waive the fees. The XXXX  rep stated once I made the account positive to call back which I did. The XXXX  representative stated they would waive the XXXX fees and since it was a XXXX XXXX account it would reflect in XXXX hours. I waited for over XXXX hours and called back to be told they weren't going to waive any fees. I feel now they told me to deposit with no intention of waiving the fees. I have a credit card as well and I intended on opening a line of credit but now I'm hesitant because I don't like the bait and switch.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against the credit bureau agencies, alleging systemic issues such as failing to adequately notify consumers of dispute outcome. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items, despite the evidence Ive provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the Credit Bureau Agencies inactions violates federal law and my rights as a consumer.