23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a CitiGold checking account in XXXX 2015 in response to an offer code XXXX. The offer was for XXXX ThankYou points for Citigold checking after making 1 or more bill payments for two consecutive months within 60-days of account opening. I fulfilled those requirements promptly and called the Citibank multiple times to confirm that the offer has been applied to my checking account. They told me to wait 3 months for the XXXX bonus points to show up in my account. While waiting for these points I also transferred {$50000.00} to IRA to prevent Citibank from charging me a monthly {$30.00} maintenance fee along with a Citi Prestige credit card ( {$450.00} annual fee ) to use with the thank you points. 
After I have done all this expensive procedure, last week Citibank emailed me that I am no longer qualified to receive the XXXX thank you points because I was not targeted to receive such offer. 
I feel that Citibank is doing fraudulent business by offering attractive bonuses to open a checking account and charging all unnecessary fees to force customers to transfer their IRA funds to prevent those fees. I spoke to the reps every month for the last 6 months and they said the offer is linked to my account. 
I will be closing the Citi Gold account and transfer my IRA funds back to the retirement bank, but wanted to notify consumer finance about the details of my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I previously disputed with Transunion inaccurate reporting of my XXXX account. XXXX accounts were opened on the same day and they switch reporting showing a credit limit/account number change in lieu of reporting XXXX individually. I have XXXX XXXX accounts and they will report XXXX out of the XXXX alternating between the XXXX with a current limit of XXXX and the other with a current limit of XXXX, these are XXXX distinctly different accounts.
Product: Debt collection

I received a document that appears to be a bill. It is from a company called Convergent. They are collecting {$110.00} on behalf of XXXX. I have never had such account for any services or purchases. The first time I called Covergent ( the debt collector ), they refused to give me information unless I disclosed my social security number, which I did not so they hang up on me. The second time I called, they gave me a bunch of addresses where they say I have lived before but none of them were mine. They asked for my phone number in case I got " disconnected '' from the call, and also asked for my SS # again. I did not give the information and told them I would be reporting this incident.
Product: Debt collection

On XX/XX/XXXX I got a demand of payment from a company named, FIRST FINANCIAL ASSET MGMT INC. they alleged, that I owed them $ XXXX.I sent them a letter right after I recieved their letter, of a contractual relationship, between I and them and ..which will make FIRST FINANCIAL ASSET, a company entitled to enforce a commercial claim against me ... I also said that this letter is not for a " verification '' or " validation '' ... ... ..which they haven't shown me ... ... ..they keep on trying to collect this money from me, without showing if they are entitled to this money ... .I also informed them that this letter was a request for proof of contract to substantiate your claim ... ... ..therefore provide a certified copy of an original contract, with my signature, specifically naming your company as a person, entitled to enforce a commercial claim against me ... ... .to this day they haven't done this yet ... ... ..I just got another ( XX/XX/2019 letter of demand for payment, now they are lowering their price, to XXXX all I want is for this company to stop their collection efforts ... ... Thank you ... ... XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds wit

hin 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, w
hich mandates a reasonable investiga

tion of disputes. Furthermore, Esperian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the
CFPB 's recent administrative proceeding
Product: Debt collection

I received email communication from this company and responded to the email in the manner that they laid out in their communication with a debt verification letter. I have not heard back from them via email or postal mail. I am not able to verify the stat and more than 30 days has elapsed.
Product: Payday loan, title loan, or personal loan

Wells Fargo and myself are in the process of dealing with the second account which I never applied for. First a young lady by the name of XXXX who I was in conversation with was wonderful. Now the next step is with a gentleman I am in contact with. 

Wells Fargo always denied I had two accounts but I did. Whoever manipulated the loan agreement did it behind my back. Ever since I found my voice to fight injustice my biggest worry and concern were for people who were XXXX  XXXX, XXXX  XXXX, illiterates and just totally stressed. 

Anyone who handles money for anyone should have the highest integrity one can stand on. Loan officers, brokers, advisers, attorneys should have the strongest regulations over them and the strictest penalizes against them if they commit wrongdoing. Integrity and honesty must be the forefront of every financial deal. 

I have been writing to every Senator, Agency, especially this one and the House Finance Committee along with sending my complaints to Wells Fargo.

Out of all the people I spoke with from the time I found out there were two accounts in my name I voiced my concerns from 2011 to present. Over 10 years. Over those ten years only ONE ( 1 ) person ever told me I had two accounts not one. Everyone else said I had one and gave me some poppycock story which I never believed. 

XXXX XXXX told me on XX/XX/XXXX a loan for XXXX # XXXX Another loan for XXXX on XX/XX/XXXX. Also on my Note where there is a loan officer by the name of XXXX XXXX who I have never met and have no recollection of this person. Everyone I dealt with were females and the only male was XXXX the loan officer on XXXX. Many years later. XXXX XXXX is the only one who was honest with me to tell me " Yes there are two accounts and both are for XXXX. This never appeared until XXXX when I made my payment in XXXX Virginia for over 400 dollars. 

Then XXXX to present, the principal never changed but before that my principal was going down. 

This day and the day I step foot into Wells Fargo I never never applied for two loans not with the credit score I had. The only word that comes to my mind is Predatory Lending. Someone took advantage of me big time when I was at the lowest point in my life. You couldn't get any lower where I was in my life at that time. The worst I trusted the loan officer. My trust was thrown away like garbage or threw the paper shredder. 

Trust is so important. Honest is even greater and Integrity is the pinnacle of a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Company does not notify you that you need to change your password, instead locks your account when you attempt to log in and the " Forgot Password '' query does not work, no emails get sent to the email provided, you need to speak with a representative, they are providing fake options to consumers. If this happens after 5:00 pm or on the weekends there is literally no one available to help, meaning that the bill you tried to pay three days early suddenly becomes PAST DUE because this company does not allow you to get any customer support when you need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Exeter finance placed a fraudulent account on my credit report, I demand Exeter finance remove this account immediately, this account is not mine I am sending a letter of demand to remove this account or i will seek legal action Exeter finance for violation my my consumer rights, im filing this complaint against Exeter finance because Exeter finance has used my information to establish a fraudulent account in my name, in future reference I will sue Exeter finance in arbitration and will demand arbitration to resolve this matter if ignored, this account is not mine so remove this and close this matter
Product: Debt collection

XX/XX/2019 XXXX : ComenityXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam : Comenity & XXXX must be removed from my credit report for several specific reasons. They never sent me a bill. Second the amount is inaccurate. Third I contacted them numerous times about not receiving a bill and they could not answer my questions nor did they have information about my account. Then after many months I eventually moved and never received a bill either at my new address. 

Then they sold the account to a new collection agency and they two have never sent an accurate bill to me and the information they list on all three credit bureaus is inaccurate. 

Furthermore I do not wish to assist them with providing either my new address or any personal information for fear they may simply update the credit report or begin harassment. They do not have either my address or my phone number! 

I tried to resolve this issue through XXXX XXXX council but to no avail. 

Can you advise how to proceed without providing them any assistance to harass me? 

Lastly they violate FCRA. So they must remove both items.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$790.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021, I was contacted by Sunrise Credit Services , Inc. regarding a fraudulent AT & T account that was re-opened without my knowledge or consent. In XXXX or XXXX of 2021, the mailing address was changed and the person ordered an XXXX XXXX and had it delivered to their house. The amounts owed were never collected from this person and, of course, it defaulted to me. Sunrise Credit Services eventually took over the debt from XXXX XXXX XXXX. Upon taking their call on XX/XX/XXXX, I then went to my local XXXX XXXX XXXX store to inquire about this account. I was notified that, indeed, someone had re-opened my account and charged {$1100.00} to the account for the phone and service. When I reached back to Sunrise Credit Services, I was told that a fraud packet would be mailed to me and my account would be on a " 30 day hold '' while their fraud department investigated. That was on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received the fraud packet. Attempts to contact Sunrise Credit have met with consternation and vague answers to my questions. No one there has been able to explain why I have yet to receive the fraud packet and all conversations with supervisors have been fruitless. No one is ever able to connect me to anyone in their fraud department. Email versions of the fraud packet, apparently, do not exist in this company as they have not been able to provide me with one of those either. When I ask to speak to someone directly in their fraud department, I am consistently told that this was not possible. I feel like I have been scammed by this company, which now has my name, address and SS #. Any further attempts to reach out to Sunrise Credit Services have left me on hold for long periods of time or the supervisor had been " too busy '' to speak with me. I have also filed a police report for ID theft with the DE State Police ( complaint # XXXX ) and I have also contacted the XXXX  regarding Sunrise Credit Services ( complaint # XXXX ).
Product: Credit card

Synchrony Bank 's branded store credit cards have experienced repeated, persistent issues with their login process on the web. When I have tried to login to my XXXX account, my XXXX account, and my XXXX XXXX XXXX account, I receive repeated errors that " we are experiencing technical difficulties, try again later. '' I have tracked this problem since XXXX XXXX. 

However, I can login using my CLOSED XXXX XXXX account and access all of my Synchrony Bank accounts. In fact, it has been my only means by which to pay bills and participate in payment protection programs. I can understand techncial difficulties, but I've nearly missed payments due to this technical issue. I have to question what level of effort they are trying to pursue in order to fix the issue, or if there is some potential gain through late fees if the problem remains unfixed. At 30 % interest, I would hope they would at least maintain functional web portal logins.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions Experian consistently response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of Investigation.

This are the account that I've marked as inaccurate : XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXXXXXExperian Last Updated XXXX XXXX Pays account as agreed XXXX XXXX, Paid or paying as agreed ExperianXXXX Payment Status Current account/was delinquent 60 days past due date XXXX XXXX XXXX XXXX XXXX  Accounts - negative accounts - closed - SummaryXXXXExperian Last Updated XXXX XXXX, Pays account as agreed XXXX XXXX, Paid or paying as agreed Experia XXXX Paid account/was delinquent 90 days past due datePayment XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - negative accounts - SummaryXXXXExperian Last Updated XXXX, Pays account as agreed XXXX XXXX, Paid or paying as agreed Experian XXXX Current account/was 30 days past due date two times XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Accounts - XXXX accounts - SummaryXXXXExperian Last Updated XXXX XXXX, Pays account as agreed XXXX XXXX XXXX XXXX XXXX XXXX as agreed Experian XXXX Current account/was 30 days past due date XXXX times Credit Inquiries Credit Inquiries XXXX SummaryXXXXExperian XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. 
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 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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson vXXXX TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 my chapter XXXX bk was discharged. The checking account I previously had with cap 1 was included in thus XXXX They've since sent me a new debit card stating that the account is restricted. I'm not sure how when it was discharged in XXXX XXXX. When calling capital one, they act completely clueless to what I'm speaking about.
Product: Debt collection

I used to have a Tenant ( Ms XXXX XXXX ) who opened an account with Synchrony Bank XXXX XXXX XXXX XXXX ) and this Tenant passed away last year. I've been receiving multiple letters in my address every single week trying to collect the debt. I do not owe, the bill is not mine, I already sent 2 letters to Synchrony Bank requesting my address to be removed from this account and they continue to do so. I just called Synchrony and spoke to XXXX, who refused to handle the issue. I asked to talk to a manager and the manager refused to talk to me, XXXX refused to provide the manager 's name. This is absurd and is my privacy being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is the only one, well XXXX  as well that is showing wrong information accounts that do not belong to me, that is why Experion delated them. They are also letting 3rd party reports appear on my credit report, which according to the guide lines of the fair credit act is against the law. There are also soooo many inquiries that they won't remove. I have not one clue why they are there. I have spent 3 years trying to clean up the messes I found once I knew what to do. why on this earth would I apply for anything knowing I do not HAVE ANY CREDIT. the say they wan na help but XXXX. does what they want. I AM SICK AND TIRED OF THEM NOT ABIDING BY THE LAW AND GETTING AWAY WITH IT.
Product: Checking or savings account

I was unfortunate enough to have to file bankruptcy. The filing date was XX/XX/2019. 

My checking account where my paychecks are deposited is with US Bank. 

I was expecting to receive the direct deposit today, Friday, XXXX XXXX. The funds are usually in the account first thing in the morning. When I saw that they were not there I figured something was wrong but I was not sure what. I first called my corporate payroll coordinator and she told me that everything looked good on her end and that the funds were sent as an ACH deposit like normal. She recommended I call my bank and ask for the ACH department. I called US Bank and spoke to customer service who told me that the ACH department is not " customer facing '' which I found strange. I was then told that my account had been frozen due to the bankruptcy filing. I had no idea that this was even a possibility or I would have changed my direct deposit or better yet requested a paper check from my employer. 

The amount of the deposit was supposed to be {$1800.00}. There is also a {$100.00} deposit from Thursday, XXXX XXXX that did not clear because of this freeze. 

I am assuming that the bank has a legal right to take this action, but the fundamental problem here is the fact that it was a surprise and that I was not given an opportunity to create an alternative solution. Now, what's done is done and I am without my desperately needed funds for a period of days or weeks while my company and the bank communicate and decide to send the funds to me in a different mode, whether that is a deposit into another account, or issuing a paper check. 

Over and over banks unilaterally make decisions that injure vulnerable consumers. 

This is not my first complaint to CFPB. I am hoping that someone who has some influence can do something, anything to hold these wealthy and powerful institutions accountable. Right now it is so one sided, they can do as they please while consumers are left high and dry while they figure out how to solve a financial crisis.
Product: Credit reporting or other personal consumer reports

I have Contact XXXX, Transunion, XXXX, XXXX XXXX XXXX college agency Due FTC Identity Theft Report and inaccurate information on my credit profile, I specific told all these thirty party Agency to Removal collection, charge off inaccurate addresses inaccurate name, and current Employer due to FTC Identity Theft Report.