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

I was sent, in the mail, a promotional offer from Citizens Bank at the end of XXXX. The offer promised a bonus of up to {$500.00} if one deposited " new money '' to a " new or existing Citizens checking and/or savings account by XX/XX/XXXX '' and maintained the money in the account for " 3 consecutive months. '' I went in person to my local Citizens Bank Branch at XXXX XXXX and XXXX XXXX in XXXX on XX/XX/XXXX and spoke to a bank representative named XXXX XXXX who signed me up for this offer. I deposited {$180000.00} into my existing Citizens checking account and planned to leave it there for the next several months in order to get the {$500.00} bonus at the end of the time period. The bank representative herself noted in writing on the promotional mailer that she had signed me up for the offer, the amount of money I deposited, and the date of the deposit. She also stapled her business card to the letter, as I requested, to serve as proof that I had legitimately signed up for the offer. 

However, when I called that Citizens branch on XX/XX/XXXX to find out why the {$500.00} had not yet been credited to my account, bank representative XXXX XXXX said she would need to hear back from Marketing, which would take 3-5 business days. I called again on Monday, XX/XX/XXXX and I spoke to the branch manager named XXXX to inquire about the situation. He told me I had to wait 3-5 days also. But he also became very defensive and began to imply that I had not qualified for the promotion in the first place and could be " denied '' because of an interpretation of the fine print on the back of the promotional offer. I replied to him that the Citizens employee herself had signed me up for the offer, and if the fine print on the offer was confusing enough to confuse Ms. XXXX and lead her to sign me up for the offer, then that is Citizens Bank 's mistake and not mine as the consumer/client. I continued to tell him that Citizens Bank should honor its commitment which the bank employee put in her own handwriting by signing me up for the promotion. XXXX disagreed and told me that I was at fault for signing up for a promotion for which I was not qualified. I vehemently disagreed. 

I proceeded to wait for Citizens Bank 's decision after the 3-5 day period. On XX/XX/XXXX, I received a telephone call from XXXX at the local branch informing me that I had been " declined '' by Marketing and would not be receiving the advertised bonus. 

I was shocked at this outcome as a breach of trust and a " bait-and-switch '' type of scheme. For 4 months, Citizens bank had possessed my money and was making interest on it, yet when it came time to keep their end of the deal they reneged by making the excuse that I had not qualified for the promotion -- even though one of their own employees personally signed me up for the offer. Had I known that Citizens Bank would act in this manner, I would have taken my money to another bank and made considerable interest on it somewhere else. 

I am asking for the help of the CFPB in resolving this matter in my favor and obtaining for me the {$500.00} bonus which Isigned up for. Thank you.
Product: Credit reporting

A lot of the info is seven years old and should not be highlightedThings like auto repossions and collections issues that had fall under my bankruptcyThat was filed last year XXXX and since have been DISCHARGED XXXX last yearI file chapter ( XXXX ) bankruptcy,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you.
Product: Checking or savings account

XX/XX/year> My debit card was compromised from XXXX. Right away few purchases were made to the point the bank contacted me to verify transactions being done online for XXXX. I reached out to the bank and I verified the transactions and made them aware I lost my card. A claim was made, few of them were paid except to XXXX for XXXX and XXXX. In the area, I reside is where I make purchases usually. There is no XXXX in my area I have not used XXXX in over XXXX  years. Citizens bank decided to close the claim without providing me a valid reason no letter. I called them to repeat myself that my card was stolen and I verified already the transactions that were mine and wondered why the last XXXX transactions for XXXX and XXXX were not reimbursed back to me. This is getting very frustrating with these banks nowadays refusing to protect consumers accounts. I want my money back
Product: Credit card or prepaid card

I was a member of Experian 's complete ID program through XXXX. The program was for identity protection and to prevent fraud on my credit cards and to monitor my bank accounts credit cards phone number and other confidential information. Several months ago I decided that I didn't need this service anymore. As soon as I canceled I was continually getting spam messages from Experian, it started to feel like harassment because I was getting so many of these emails and there was no way to stop them. Then within 2 months my identity was stolen and credit card applications were done online with my personal information. I am very suspicious of experian and the possibility that they may have contributed somehow towards this leak of information. Also whomever stole my identity and is doing these fraudulent credit card applications, they somehow know that I have very specific credit card companies that I am currently using because those are the only ones that they applied for additional credit cards. So somehow they obtained access to my credit report likely via Experian. I just decided to reactivate my experian complete ID monitoring because I did not know what else to do. And I am still getting harassing emails from Experian even though I reactivated the service. Experian seems very suspicious and somehow guilty possibly contributing towards somebody obtaining my personal information that was held by experian.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX Subject : Dispute of Two Late Payments Account Number : XXXX I am writing to formally dispute two late payments reported on my account under the provisions of the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). I believe these payments were reported incorrectly, and I request that you investigate this matter promptly. 

The disputed payments are as follows : XXXX. Date of XXXX XXXX XXXX : XX/XX/XXXX XXXX. Date of XXXX XXXX XXXX : XX/XX/XXXX In accordance with 15 U.S.C. 1666 ( b ), I request that these late payments be removed from my account and my credit report, as I believe there were errors in billing and the late payments were reported in error.

Please correct this error on my account and provide written confirmation of the actions taken. Additionally, I request that you notify the credit reporting agencies of these corrections, as the reported late payments are negatively impacting my credit score.

I appreciate your prompt attention to this matter and expect a written response within 30 days, as required by law. Please contact me at the phone number or email address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I've attempted to cancel a subscription service, and believed I had done so. I did not update any payment information with this service, and the payment information they had should not have been valid. They renewed my subscription against my wishes and I have filed a report with the ftc. They somehow charged my card despite not having current payment information. When I saw the charge I immediately disputed it with citi bank, but months later was told there was nothing they could do and was charged regardless.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to file a formal complaint regarding harassment, discrimination, unauthorized entry, and unfair debt collection practices related to my previous rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

I rented the apartment from XXXX XXXX XXXX XXXX XXXX XXXX  and always paid my bills on time. However, during my stay, I experienced severe harassment and discrimination from the management of the apartment complex. They consistently made me feel unsafe in my own home including me being XXXX and even entered my apartment without my permission or presence, violating my privacy rights. 

Feeling unjustly treated and with the guidance of legal advice, Both parties involved, myself and the XXXX XXXX XXXX, agreed to cut ties amicably, acknowledging that the unsafe environment and harassment had become unbearable. It is important to note that despite no longer residing in the apartment, I continued to fulfill my financial obligations by paying the rent. 

However, recently, I received communications from XXXX XXXX XXXX XXXX, claiming that I owe them {$1400.00}. This debt has been incorrectly reported on my credit report, damaging my creditworthiness. It is crucial that their collection activities are halted immediately, and the negative information associated with this debt is removed from my credit records. I moved had a professional come clean the property as I traveled for work often so it was not dirty at all I kindly request your assistance in thoroughly investigating this matter and taking appropriate action against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unfair treatment, privacy violations, and inappropriate debt collection practices I have encountered are not only distressing, but they also violate numerous laws and regulations designed to protect consumers like myself. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act promptly to rectify this situation. I hope for a fair resolution and that appropriate measures are taken to safeguard future tenants from similar experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection debt from XX/XX/XXXX in XXXX XXXX, VA for service at a local emergency room on XX/XX/XXXX, reported to Experian with my name and mailing address in the amount of {$260.00}. I tried to dispute online to no avail. I have not been in an emergency room since XX/XX/XXXX. 

When I called the collections people directly, they could not find an account attached to my social security number or birth date. How can this debt be attached to my credit record, when these things can not be verified? They refused to correct their report, unless I had my son call them. 

By the way, my father, my son, my grandson and I all share the same name. I suppose this debt belongs to my son. I am no longer responsible for his medical expenses since he is XXXX years old.
Product: Checking or savings account

My business account was charged {$27.00} on XX/XX/2022. I need {$27.00} refund. 
I was told there is no fee for this account. Plus my {$500.00} bonus was not paid.
Product: Debt collection

I filed a complaint with you against Pressler & Pressler and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, XXXX XXXX XXXX ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've call Capital One Bank several times about my account my reporting to my account tradeline not reporting to my XXXX report since the account has opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to Equifax ;XX/XX/XXXX and XX/XX/XXXXthat I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
Experian XXXX and XXXX had all been told to contact me and did not.
Product: Checking or savings account

On XX/XX/2023, Lake Michigan Credit Union charged me three ( 3 ) overdraft fees for payments that were already deducted from my positive balance. These payments each were for {$30.00} which totaled {$180.00} they stole. I called Lake Michigan Credit Union four times, three times on XX/XX/2023 and once on XX/XX/2023. Additionally, I went to their XXXX XXXX, Mi branch on XX/XX/2023 and spoke to their representatives. I showed their XXXX proof that the money was already deducted from my available and positive balance. They refused to refund me. I called and emailed XXXX because the overdraft fees stemmed from my payments to them. They confirmed that my payments were deducted from my account with them on XX/XX/2023. Lake Michigan Credit Union is committing fraud by using their courtesy fee system to steal money from its members. I would like my {$180.00} refunded from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has listed XXXX XXXX XXXX XXXXXXXX incorrect violation of my rights also they have listed XXXX XXXX XXXX XXXX # XXXX incorrect also violation of my rights and XXXX XXXX XXXX XXXX # XXXX and # XXXX also violation of my rights they have refused to provide me with any signed documentation or any valid proof of debt also say it is verified but provide no information.Also XXXX has done same thing XXXX XXXX XXXX # XXXX, also XXXX XXXX XXXX  XXXX ALSO XXXX XXXX XXXX XXXX XXXX XXXXXXXX SAME THING LAST EXPERIAN SAME XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX please have them remove this false information thank you
Product: Credit reporting or other personal consumer reports

I request that the CFPB take the following actions on my behalf : 1. Investigate APPFOLIO 's Compliance with the FCRA. Urge the CFPB to investigate APPFOLIO 's failure to provide my consumer report within the required timeframe, as well as any patterns of non-compliance they may exhibit with other consumers.

2. Require APPFOLIO to Provide My Consumer Report or Remove All Associated Data : In light of XXXX 's non-response, I request that APPFOLIO be mandated to remove or block any information they may have shared with credit bureaus about me, as they have failed to verify and provide this data for my review.

3. Allow Me to Opt-Out of Any Data Sharing by APPFOLIO : Given my concerns about the lack of transparency, l also request the right to opt-out of any future data-sharing practices by APPFOLIO, as allowed under the FCRA.

4. Place a Security Freeze on Any Data APPFOLIO Holds on Me : Additionally, if possible, I would like a security freeze placed on any data they may hold about me to prevent unauthorized access.

Documentation : I have attached a copy of my original request to APPFOLIO for reference, including proof of mailing and other supporting documentation of my attempts to obtain my consumer report. Thank you for your attention to this matter and for your efforts to protect consumers from non-compliant reporting agencies. Please do not hesitate to contact me should you need further details. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX Attachments : Copy of request letter to APPFOLIO
Product: Money transfer, virtual currency, or money service

XX/XX/21 {$500.00} reported fraud to Wells Fargo followed up with the bank and was told that I would not receive my money back but to make a police report.
Product: Mortgage

Mr. Cooper/Nationstar purchased my mortgage from XXXX. The real estate taxes had already been paid. Mr. Cooper than paid the taxes a XXXX time causing my escrow to go negative. This was back in XXXX. Many calls have been made to rectify this situation. Every time I call they admit fault on their end but nothing is done. Now there is an XXXX analysis and due to a shortage my atment is schedule to go up {$500.00} a month. I feel like their phone reps just say whatever the need to to get me off the line!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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: Credit reporting or other personal consumer reports

There is a debt collector on my credit report by the name of XXXX XXXX XXXX for {$1500.00}. This debt was previously being reported by XXXX XXXX XXXX XXXX XXXX ). I disputed this debt to the credit bureaus and the account was deleted because the information was inaccurate. A new debt collector ( XXXX XXXX XXXX ) is now reporting this very same debt but the disputed information has still never been verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting XXXX! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!!