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

I had called Citibank on XXXX/XXXX/XXXX around noon time. A Citibank representative had help me upgrade my account and get the promotion of {$400.00}. I had confirmed the Citibank representative that i am able to get the promotion if i upgrade my account to Citigold and and maintain {$50000.00} for 30 days. Therefore, i transferred money from my XXXX account to Citibank. I had kept more then {$50000.00} in my account for more than 30 days. After half year i had not receive the promotion credit so i called Citibank on XXXX XXXX, half year since i join promotion. The Citibank representative first told me that my account do not have any promotion note on it. I explained to him that i upgraded my account because of the promotion. after he checked my account he told me that it is still in process. i will received my promotion at the end of XXXX XXXX. Since i still do not receive the promotion, i called on early XXXX XXXX, the Citibank representative told me that i am qualified for the promotion but she do not know why i do not received the promotion. She said she will send my case to the back office and i will receive the back office respond in around 10 business days. I had received the note from Citibank back office and their response is i am not qualified because my account is not open within the promotion time. I called on XXXX XXXX XXXX the Citibank representative told me that i am not qualified because the checking account is not a new open account. i told her that when i upgrade my account to get the promotion, the representative told me i will qualifies for the promotion. Since she i not willing to honor the promotion, i asked to speak to her manager. She put her manager on the phone and the manager said because the promotion is only for new customer and i am a existing customer therefore i am not qualified for the promotion. I told her that if that is the case the your representative should told me at the beginning so i do not need to upgrade my account. then she said she was sorry about to hear that but there is nothing she can do to honor the promotion. I told her that is Citibank mistake, Citibank is responsible for the mistake you made. she just repay that she can not honor the promotion. 


Below is the Citiback Pomotion : Earn a {$400.00} Cash Bonus* What drives you drives us. Start a new Citigold ( R ) relationship today.Or visit a Citibank branch, or call XXXX and mention code XXXX. Earn a {$400.00} Cash Bonus Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/XXXX. Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. * It 's that simple. The cash bonus will be credited to your new checking account within 90 days from the end of the month in which you complete all offer requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these late payments need to be updated.
Product: Debt collection

Subject : Disputing Debt owed to XXXX XXXX Account XXXX XXXX claims I owe - {$180.00} Attached : Mailed XXXX Doc.pdf- copy of letter mailed to XXXX XXXX text document of email communications XXXX has engaged a debt collector for a debt that is not owed by me. The company claims the account was closed on XXXX and not XX/XX/XXXX. Requested proof of the phone call I made on XX/XX/XXXX, will all notes have not been provided after multiple requests. 


XXXX claim that I owe a debt to XXXX is inaccurate : - On XX/XX/XXXX I signed up for the XXXX program Try it worry-free for 15 days. Test drive XXXX Home Internet for 15 days to see how great it works for you - On XX/XX/XXXX I called XXXX to cancel my account/Service. I spoke with a representative who identified himself as XXXX who stated : The account would be closed and no payment would come out of my account - The account was opened and closed in the program worry-free 15-day period. XX/XX/XXXX XX/XX/XXXX = 15 days - All equipment was returned via XXXX  XXXX  Tracking # XXXX - I complied with all terms of the plan
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to start off by saying that I am writing on behalf of myself. I am really concerned about how the credit bureaus have been ignoring my disputes. I do not know what is going on. I've disputed inaccurate information on my credit report three times already, and they have ignored my disputes every single times. Inaccurate information should not be on my report. This is against the law! 

This is really concerning to me also because I am a victim of the XXXX  data breach and I know my information has gotten into the hands of the wrong people. 

I sent in my first dispute to the credit bureaus on XX/XX/2020, and nothing was done about my disputes. I sent my second dispute on my other accounts, and I was ignored again. I sent in a third dispute on XX/XX/2020, and I still haven't heard or received any results on their investigation. I feel like I'm being taken advantage of. It's been over 3 months! This is unacceptable. Please delete all of these inaccurate accounts from my credit report.
Product: Money transfer, virtual currency, or money service

Accidentally sent {$900.00} to someone and cash app said they couldnt refund the amount. XX/XX/year> at XXXX XXXX I am filing a complaint 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. These 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

I had a credit card with XXXX XXXX. I paid the card off in XXXX. In XXXX of XXXX I tried to prequalify for a home mortgage and was told that I couldn't, primarily because that card was showing as unpaid and over limit. I placed numerous phone calls to the creditor, and had my bank officer contact them on my behalf. Despite numerous messages on a recording that promised to return my call within 24 business hours, I have never yet been contacted or spoken to any one. It is now XXXX. Given these difficulties, I disputed the account with the credit reporting agencies, who have reported that the account is verified, and it continues to trash my credit score.
Product: Mortgage

I closed on a refinance with XXXX on XX/XX/2021 for my residence located in Massachusetts. First American, who contracts with the mortgage company, incorrectly filed the mortgage with the registry of deeds. 

I have had several conversations, both telephone and email with First American in regards to fixing this issue. They have been unresponsive as it relates to resolving this issue. Not having the mortgage recorded correctly has resulted in my inability to close on a home equity loan. As I am unable to close on the home equity loan I am unable to pay a contractor for work on my home. The contractor has indicated that they will be placing a lien on my property due to non payment, which will result in filing fees and interest on monies owed. This issue could have been resolved wtihin 24 hours by First American by electronically refiling the mortgage when they were first notified last month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

On XX/XX/year>. I called Synchrony Bank the lender for the Car Care Credit Account I opened in XX/XX/year>. I spoke to XXXX at the XXXX number on the statement. I verified that the account was paid in full and it was a {$0.00} balance. I requested a letter stating that the account was paid in full and that I requested the account to be closed. On XX/XX/year> I received a letter and a statement indicating that if I did not create an online account I would be charged {$1.00} each month. This is unacceptable as I closed the account on XX/XX/year>. I never received the letter stating the account was at a {$0.00} balance or that I had requested the account be closed. Additionally, this organization keeps trying to get information from the 3 major credit bureaus on my credit details. They need to cease and desist this action. They also, need to verify that they will not be charging a closed account {$1.00} every month. I will never do business with Synchrony Bank ever again. Please speak to this organization and remind them of their fiduciary responsibilities to former customers.
Product: Student loan

Hello, I received an email on XX/XX/2022 that stated my previous XXXX loans would be forgiven and or reimbursed. However, my challenge is that my loans were consolidated to a company called Earnest ( Now owned By XXXX  ). So I am still paying these loans monthly. When I called both the Federal Student Aid and Earnest about this issue. No one would help me with a solution of getting this resolved. 

I provided proof of the original XXXX loan and proof of my continued payment toward these charges. 

Millions of people who suffered the hardship caused by XXXX more than likely consolidated these loans to bring the ridiculous monthly payments down. It is unfair to not apply these individuals under this forgiveness or not work on their cases to reimburse for such loans taken out. The original loan was started with XXXX and should be treated the same way from a forgiveness standpoint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear XXXX Dispute Department XXXX XXXX am writing to formally dispute an inaccuracy on my credit report under XX/XX/XXXXXXXX ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Payment History Reporting ( XXXX XXXX XXXX ( a ) Prohibited Misrepresentations ) The report states that the account was opened in XX/XX/XXXX but also claims the account was already in collection as of XX/XX/XXXX. 
If the account was only opened in XX/XX/XXXX, it is impossible for it to have accumulated multiple months of delinquency and collections by XX/XX/XXXX. 
This misrepresentation creates an inaccurate negative impact on my credit score, violating 12 CFR 1002.4 ( a ), which prohibits misrepresenting credit information.

Improper Reporting of Account Delinquency ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity each month as if payments were actively being missed. 
If no new payments were due after the charge-off, this reporting is inaccurate and misleading, violating 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report accounts with accurate information.

Failure to Provide Accurate Account Terms ( 12 CFR 1002.10 Furnishing of Credit Information ) The account is listed as having a 1-month term, yet it is reported as delinquent over multiple months.

If this is a closed collection account, the reporting should reflect only the original delinquency date, not ongoing late payments.

This failure to update the account properly violates 12 CFR 1002.10, which mandates that creditors ensure credit information is accurate and current.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure all reported credit information is accurate and up to date. The erroneous delinquency reporting violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have made numerous phones throughout the past few months to Equifax. I have also sent them certified letters to Equifax XXXX XXXX XXXX office informing them that there are XXXX accounts reporting inaccurate information as well as negative information. I let them know that there are several inconsistencies with the information they are reporting and the other bureaus. They did nothing about it. I sent those letters XX/XX/2023 and XX/XX/2023 as well as on XX/XX/2023. The accounts that are reporting incorrectly are XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX
Product: Debt collection

THEY REPEATEDLY CALLED MY PHONE THEY HAVE CALLED MY FAMILY AND FRIENDS AND ALSO MY NEW JOB. I AM SCARED TO EVEN ANSWER MY PHONE NOW.
Product: Debt collection

Oh, money to the banks that I paid not sure why its not off my credit. Hopefully you guys can send me a card so I can pay off my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX  XXXX  XXXX and XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.
Product: Credit reporting or other personal consumer reports

unauthorized inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Funding was placed into my XXXX XXXX account from the SBA. I did ask prior to the funds being deposited if this would be an issue. I was told no by both entities. The funds were deposited and are now being restricted. I provided the EIN and Parent company associated to deposit and was told that they could not verify my company. I asked what system they were using for verification and the agent ( XXXX ) refused to give me that information. Stated that they weren't allowed to share that information. My account has never been attached to any fraudulent activity and all business and personal can be verified.. they also refused to let me speak with a supervisor and would not provide me with any time frame associated with the review they were conducting. I have contractors working on the business as we speak for damages and loss associated with Covid-19. This kind of long term review can stall that and delay my business from reopening. Im looking for some kind of assistance with them releasing the hold so that I can move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$320.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting

Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.
Product: Money transfer, virtual currency, or money service

Fraud transactions on my Cash app transactions I did not make them and never got any of my money back then they closed my account
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$680.00}