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

In XX/XX/2020, I came across a citi bank add promotion where if I opened a checking/savings account and deposited XXXX for a minimum of 60 days, I was going to get a {$700.00} bonus at the end of the 60 days. I did everything and even contacted citi customer service via the online chat service and spoke with an agent to confirm that my account was set for the promotion and everything was fine. The agent confirmed and told me to go ahead and deposited the money, which I did. 60 days later, I contacted the citi customer service again to make sure the promotion requirements were met and I could withdraw the money. I was told again by another agent that everything looked great and to go ahead and withdraw the money. I was told I should be receiving the bonus within 90 days by XX/XX/XXXX. I waited until XX/XX/XXXX and I never received anything. I contacted the customer service and was told all that needed was to filled out a dispute and I will get my bonus since they will just need to enter it manually. I was surprised to receive a letter in the mail saying my request has been denied and I will not receive any bonus. I'm really upset about the fact that Citibank used a false ad to get me to open an account and now doesn't want to pay. I have attached a pdf document showing the screenshot of my conversation with the citibank customer service.
Product: Credit card or prepaid card

On XX/XX/2019, I went online to my credit card issuer 's website to verify that I had received a refund to my card from an outside vendor and upon examining my account details, I discovered that my credit limit had been REDUCED by {$2600.00} without any notice to me. As such, I called the credit issuer 's customer service department and spoke with a Representative who indicated that my limit was decreased due to their review of my credit report that indicated I had too many open credit cards and when I asked the Representative why they had pulled my credit WITHOUT my permission, he indicated that it was something they did from time to time and that a letter explaining their decision was mailed to be on or about XX/XX/2019. In addition, I asked the Representative why the decision was made to reduce my balance so significantly when I have NEVER missed a payment with their bank in the 2 - 3 years I have had their card nor have I ever missed a payment with any of the open credit cards that they felt I had too many of and he advised that due to the information on my credit report that this was the decision they felt was best and he offered no resolution dispute assistance. I advised the Representative that I completely disagreed with their decision for numerous reasons specifically, the fact that by reducing my credit to the amount of {$1800.00} this puts my credit utilization for this creditor at 90 % when prior to the credit limit decrease it was 38 %. As a result, this has had a negative effect on my credit score despite the fact that I have NEVER been in default with any of my creditors whom are all current and have been for several years so I'm not understanding their decision. 

Signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Creditor : XXXX website : XXXX ph : ( XXXX ) XXXX
Product: Debt collection

Express Recovery is staring medical debt is owed to University of Utah for care but amount is over {$17000.00} I had insurance at the time and don't see any of it being billed through either policy I had. Even with insurance I wouldn't owe that much because I had an out of pocket max. I have no bills from Uof U or I would've set up on a payment plan as I have with all other medical accounts.
Product: Mortgage

The brief summary of the complaints are listed below : ( Please see full letter that has been submitted with this online complaint ) :  - M & T Bank indica tes my mortgage loan i s one month behind but M & T  Bank reps are unable to provide month & year the payment was supposedly missed  - M & T bank   indicates unapplied funds associated with the mortgage but unable to provide reason for this issu e - M & T bank 's loan serv  icer "    XXXX   XXXX   XXXX   '' mailed a check for almost {$11000.00} to me in   XX/XX/XXXX .  The reason was unclear. There are severe concerns that  XXXX   XXXX   XXXX  did not process my loan modification correctly.    -M & T Bank mails confusing and conflicting documentation - Request for removal of PMI has not been addressed by M & T Bank - C oncerned that negative information is being incorrectly reported to the  XXXX  credit bureaus - When contacting th e M & T Bank reps, always told mortgage is one month behind, the investigation is ongoing, someone will call with results, etc ... No individual can provide t he answers needed to resolve the issues.   - Decided to cont act M & T Bank Ch airman and CEO along with each of the bank 's regulatory agencies for assistance and resolution of all issues.
Product: Debt collection

I went to XXXX University for XXXX semester for my PhD. This school did not send me a bill, call, or communicate about any money that was due. I was not aware of money owed until the collections agency sent an email. 

The collections agency, Account Control Technology ( ACT ) is unavailable for any communication. All phone lines are down, and email correspondence goes unanswered. I paid the balance in full online on XX/XX/22. They still have not notified XXXX of the payment.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information listed below is incorrect and does not reflect my true credit history. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Supporting Documentation : Enclosed are copies of my credit report from each bureau highlighting the inaccurate information, along with any supporting documents for verification. 

Requested Action : I request that the inaccurate information be corrected or deleted from my credit report. Please reinvestigate this account and send me an updated copy of my credit report reflecting the corrections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00} XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$900.00}
Product: Credit reporting or other personal consumer reports

I am writing to report serious violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion regarding handling my credit report disputes and their subsequent responses to complaints # XXXX and # XXXX. 
Timeline of Events : On XX/XX/year> ( Complaint # XXXX ), TransUnion responded XXXX my dispute with the following actions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Improper Reinsertion ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion reinserted previously deleted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  without providing the required notification XXXX XXXX XXXX furnishers was provided to justify reinsertion No XXXX notice of reinsertion was received as required by law Failure to Conduct Reasonable Investigation ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion 's contradictory responses between XXXX and XX/XX/year> demonstrate a lack of reasonable XXXX procedures No explanation was provided for how the same accounts could be deleted and then verified within XXXX months Inadequate Notice ( FCRA XXXX ( a ) ( XXXX ) ) : TransUnion failed to provide a clear explanation of the investigation results No specific information XXXX contacts with furnishers was provided No documentation was provided to support the verification of previously deleted accounts Requested Action : Immediate removal of improperly reinserted items ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Provision of all documentation related to : The original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The reinvestigation process that led to reinsertion Investigation into TransUnion 's practices regarding : Their reinsertion procedures Their investigation methods Their communication protocols with consumers XXXX attempts to resolve this issue through TransUnion 's direct dispute process and XXXX CFPB complaints have failed to address these serious violations XXXX I request the CFPB 's intervention to ensure TransUnion complies with its obligations under the FCRA and corrects these violations. 
If necessary, I authorize the CFPB to share this complaint with other state and federal agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX ] [ XXXX, FL XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ADDRESSES : XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX ACCOUNTS XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Check credit or line of credit XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XX/XX/XXXX CREDIT CARD XXXXXXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD DEPT OF EDUCATION XXXX XX/XX/XXXX Educational DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL XXXX  XXXX XX/XX/XXXX INDIVIDUAL SUNRISE BANK XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX NOTE LOAN XXXX  XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX  XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 


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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number : XXXX- Account Name : XXXX  XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX  XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2019, I received a text from what I thought was BMO bank stating that I had fraudulent activity on my account. The text had an employee number and a supervisor name, so I called the XXXX number and I spoke with who I thought was a bank representative and I began answering questions and providing information thinking I was freezing my account and stopping the fraudulent charges. Only to find out they were not the bank but scammers who now had access to my account and took {$1100.00} of my {$1500.00} teaching pay check, with tutoring. The bank said its not going to replace any of my money because I provided the information. I've never been scammed and I don't know what the bank ask in those types of situations. The fraud took place in XXXX, Wisconsin, I live Indiana. I have filled out and paid for a police report. I'm so disappointed with this bank I've been a consumer with this bank since it was called XXXX, XXXX, and now BMO. I am transitioning to a new bank, but I am now behind in bills because of this. BMO is not a bank for your average working person.
Product: Credit card or prepaid card

Load funds on American Serve card ... when the card suppose to come wth name ... all the previous loaded funds was depleted by fraud tranactions.American Express never refunded my funds
Product: Debt collection

I was in an accident in XXXX I had just bought my vehicle so I made the mistake of postponing using car insurance. Later on I got into an accident when I was going to XXXX on military leave, the person did not yield to the green light and turned in front of me. The process was choppy due to my lack of insurance, I filed a claim through them and they have not gotten back to me ; however, the debt collection agency Thomas George Associates is claiming I owe {$15000.00} when XXXX never approached me and when the repairs of the car were worth half of that money.
Product: Debt collection

Now there is another company that opened up an account in my name and it is on my credit report. The company name is XXXX XXXX XXXX. This company got my name from XXXX XXXX. this company has access to my personal information. These collections companies purpose is to destroy my credit rating. The fact that they opened up an account is my name is fraud. It is fraud because I was not aware of this company had opened up an account in my name with information given to them by XXXX XXXX.
Product: Mortgage

I am currently being harassed daily by my mortgage company, Freedom Mortgage. I received calls every day asking me to confirm my email address, i have completed this more than 50 times and they are still calling me everyday. I have opted out of their phone calls and are told by the representative not to worry that this issue has been fixed but they kept calling early every morning. These calls are waking me up and providing a high amount of stress.
Product: Credit card

In XX/XX/, a replacement cell phone claim was filed with XXXX. XXXX failed to process the claim in a timely manner per their contract, causing undue delay and costs to our business when the replacement phone arrived five days later. I filed a claim with Elon financial to dispute the {$99.00} charge associated with the service. Elan financial denied the claim on the basis that I received the replacement cell phone. The basis, for the dispute was never that I did not receive the services. The basis for the dispute was that the products and services were not processed in a timely fashion according to the contract provided by XXXX. I requested an updated letter from Elan financial that corrected their mistake and correctly identified the basis for the claim. They refuse to provide the corrected letter. 
Elon financial also provided the documentation by the vendor ( Asurion ) in which their own contract guaranteed the replacement of the phone within XXXX hours. 
On several calls with Elan financial dispute resolution claim department, the contractual obligation in the documentation provided by XXXX was reviewed, and these facts in the legal docs were pointed out to them, but they still refused to enforce their terms of conditions - specifically use of the credit card ensures that the user will be guaranteed that the vendors will charge a fee only if and when they abide by the terms of their contract. In this case, XXXX failed to do that, and Elan financial refused to provide the corrected letter, describing the basis for the refusal. They also refused to honor their assurances and guarantees two card holders that they would receive services and products as described.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2023 XXXX XXXX XXXX  XXXX/2023 TU 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only way to dispute a inquiry through Experian is by mail. I have mail in countless times inquiry disputes and they have not be iremoved let alone investigated. I have send my disputes cia priority mail, overnight, regular mail. The exact same disptes total over XXXX times sent. This is absolutely ridiculous. Not to mention the {$30.00} XXXX pay experian a month for credit monitoring service. I am unhappy, not just with the serivce, but the lack of respect for helping consumers. I have also sent multiple relevant information to re-open a dispute. Informstion that you can look at and properly make a decision that the incorrect information needs to be chnaged or removed.
Product: Debt collection

In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by XXXX regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to XXXX, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by XXXX in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via request.
Product: Credit reporting or other personal consumer reports

I have identified the following hard inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX