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

I opened a new checking account with CitiBank. I opened it online using their website and a promotion code that the system accepted ( and which I verified via phone after the account was created and was told that they saw the promotion on the account and once I completed the requirements would receive the miles ) which promised me XXXX XXXX XXXX upon completing the requirements. 

I subsequently completed all of the requirements within the prescribed timeframe - direct deposit, visa debit card purchases, and having a Citi XXXX XXXX XXXX card. I was told by a customer care rep that I had completed all of the requirements as well. 

Now Citi is trying to say that I was n't " approved '' for the promotion and they are trying to back out of giving the me miles I was promised. 

I tried hard to resolve this with them, but to no avail, and as such I feel this is my last resort. 

I am not the type of person to file complaints, and this is my first time here. Unfortunately I feel like I have no other choice now. My husband actually opened the same type of account under the exact same conditions ( with the same promotion code ) and was also originally denied by citibank for the same reason - but they eventually understood that they owed him the miles as he completed their promotion ( just as I did ) and they deposited the miles into his AA frequent flyer account. 

I am asking for your help as I feel that I was duped into a bait-and-switch and they are just trying to get customers by making false promises hoping that we will not advocate for ourselves. 

I have noticed through some online research that Citi is becoming quite proficient at this type of bait-and-switch routine as there are many others in the exact same boat as me. I feel they need to be held accountable for their actions. 

Quite simply, if they do n't want to honor promotions, they simply should n't allow those promotions to be entered into their website. They accepted the promotion code I entered, explained what needed to be accomplished to receive the miles, I accomplished those tasks and fulfilled their requirements - and now they should do what they promised they would. 

Thank you for your time, and please do n't hesitate to contact me about this issue.
Product: Debt collection

This account does not belong to me. I have been disputing it for a while. I have attached my id theft report please remove this account. I am a single, struggling, middle class father. This account has caused me a lot of unnecessary hardship.
Product: Mortgage

On XX/XX/2023, I requested to Wells Fargo, who is the lien holder for my home mortgage, my PMI be removed. They sent me documentation on how to cancel PMI using new property value. I met all of their must haves ; no past due payments, no 30-day late payments in the last 12 months and no 60 day late payments in the last 24 months. Now the other " stipulation '' they have is that I must have an appraisal completed through a company called XXXX and my property must be valued at a {$470000.00} figure or more which will then bring my XXXX ratio to 75 % and PMI can then be removed. Being I had an appraisal done a week or two prior this request, which was also above {$490000.00} home value, I called Wells Fargo few times from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked if that could be used in place of XXXX and they said no. I asked why and they said I had to use XXXX as they are an independent, certified appraisal vendor who is not affiliated with the customer or us ( Wells Fargo ). They complete all valuations to ensure that our ( Wells Fargo ) customers get an unbiased assessment of the property 's value. I argued that the appraisal I got through my XXXX XXXX XXXX is also an independent, certified appraisal who is not affiliated with the customer ( me ) or you Wells Fargo. They decided to take a review of my appraisal and then declined using it saying that the cancellation options for PMI stipulate that the valuation must be requested in writing and the appraisal must be ordered through XXXX. I escalated this argument to the XXXX Office Case XXXX, XXXX XXXX XXXX XXXX and received a letter back on XX/XX/XXXX, XXXX stating the above.
Product: Debt collection

I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Product: Money transfer, virtual currency, or money service

Venmo froze my account after I tried to add a bank account. There system had an error and the company did not help resolve the issue. I reached out several times to the company to resolve the issue and send them several bank account statements. The account statement that they want does not exist. They are holding on to my {$1300.00} without interest or information on how I get my money back.
Product: Vehicle loan or lease

Heres a rewritten version of your text : -- - On XX/XX/XXXX, I contacted Innovate Auto Loan to discuss the balance on my loan and obtain the loan documents for my XXXX XXXX XXXX. Unfortunately, my online account portal does not display balance information or provide a complete payment history. After calculating my payments to date, I discovered that the outstanding balance appeared to be thousands of dollars higher than expected. This prompted my request for the original contract documents. I was assured I would receive these documents within a few days, but I never did. 

I followed up on XX/XX/XXXX, and spoke with a representative who promised to send the documents. When I didnt receive them, I followed up again on XX/XX/XXXX, and spoke to a representative named XXXX XXXX She also assured me the documents would be sent and advised me to call back if they didnt arrive. Around XXXX, I attempted another follow-up, but their office was closed. 

On XX/XX/XXXX, I spoke with XXXX XXXX, the XXXX XXXX Supervisor. I informed him that I would not pay my bill until I received the requested documents. XXXX claimed the documents had already been emailed to me multiple times, but I never received them. I then requested that the documents be sent via certified mail to my address. XXXX agreed and promised to call me back with the tracking number the same day. During two phone calls with XXXX, totaling XXXX minutes, he never mentioned that my account was at risk of repossession. 

The following afternoon, I received a voicemail from XXXX XXXX requesting a callback. I planned to return his call after receiving the documents in the mail. However, on the morning of XX/XX/XXXX, my XXXX XXXX was repossessed from my home without proper warning. Additionally, I received a Notice of Default & Requirement of Strict Compliance dated XX/XX/XXXX, which stated : The total past due amount of {$990.00} must be paid to us by XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX, and asked how we had spoken just two days prior without any mention of repossession. After paying {$1300.00} to retrieve my vehicle from the repossession lot, I emailed XXXX again to request the contract documents I had repeatedly asked for. XXXX replied : * '' Also, I was notified that we would need some information from you in order for me to send over the contract documents via email. We will need the following information : - Proof of employment - Proof of residence - Proof of insurance ( Binder or Declaration page ) - Three references Once those documents are received, then I will be able to forward you all documents pertaining to your account. You can email those documents as soon as you can to me, and I will have those documents to you ASAP. " * It is also important to mention this loan has never shown up on any credit report. 

After researching Innovate Auto Loan, I discovered they have an F rating with the XXXX XXXX XXXX XXXX XXXX XXXXXXXX  accredited, and have lawsuits and bankruptcy filings associated with them. I have also filed a complaint with my Attorney General. I believe I am a victim of consumer fraud and am requesting assistance from the CFPB. 

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Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 card or prepaid card

Regarding case # XXXX for Card # XXXX, Capital One requested my drivers license due to suspicious charges on the account. My wife sent my drivers license three times, one by a link they provided, the second time it was faxed, and the third time she mailed a copy. They replied and said they could not zoom in on the copies even though they are legible. 

I mailed a letter by certified mail to Capital One t on XX/XX/2020 saying the restriction is not lifted by XX/XX/2020, then CLOSE the account. There is a {$1400.00} credit plus I made a payment of {$15.00} on XX/XX/2020 that I want refunded. 

I called Capital One after receiving conformation from the post office that the letter was received by Capital One. The male I spoke to said I would receive the {$1400.00} credit refund. As of today, I have not received the {$1400.00} credit refund.
Product: Credit card or prepaid card

These accounts were created in my name Fraudulently.
Product: Student loan

When my loans were serviced through fed loan I was informed not to consolidate my loans as they would reset my PSLf payment counts.. Due to this information given by the servicer I cancelled the loan consolidation. I had loans forgiven when reaches 120 payments on two accounts but still had remaining loans as they were not consolidated. Come to find out I did not need to reverse the consolidation and all my loans wouldve been forgiven at the same time
Product: Credit card or prepaid card

Barclaycard US sent m e blank checks that I can use to write myself a check to transfer a balance at a promotional rate.     I wrote myself a check ( which was allowed per terms and conditi ons ). Two days   later, I get a call from their security team asking numerous verification questions. I spend half an hour on the phone verifying myself, I am finally thanked by them and told that the check would be processed.     A day later, I see that my bank is charging me back for the check ( meaning the check did not go through ). I then shockingly see th at BarclayCard US is chargin g me a " {$26.00} check return fee ''. My bank also charges a {$12.00} fee I call them on the phone, to get this resolved. The first customer service representative puts me on hold for  10 min utes then hangs up on me. The second customer service representative (  XXXX   ) t ells me that the fee is irreversible and fails to provide a reason why. I ask to speak to supervisor and threaten to submit a complaint.  XXXX , the supervisor finally gets on the phone and says that fee will be reversed because it should 've never been charged and reverses the fee.      Barclay Card US  also failed to process the balance transfer, honor the check or provide any explanation for why the check was rejected.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Reported by XXXX and XXXX I am writing to formally dispute an erroneous and fraudulent account that has been reported to my credit file by XXXX. According to XXXX, I have an installment loan agreement related to a transaction they claim was made with XXXX. I want to categorically state that I have no association with either ZuntaFi or Air.ai, and I dispute the validity of any agreement between myself and these entities. 

It is my understanding that XXXX is a fraudulent operation, and therefore, any claims of an agreement or loan arising from this transaction are completely invalid and unenforceable. I have not entered into any agreement with XXXX, nor have I authorized XXXX to report any such transaction. 

As such, I demand the following actions be taken immediately : XXXX. Cancellation of any and all accounts or transactions associated with XXXX and XXXX. 
XXXX. Removal of all negative information related to this fraudulent account from my credit report. 
XXXX. Termination of any further contact or attempts to collect on this fraudulent account from XXXX. 

This matter is of serious concern, and I request that you thoroughly investigate the situation and take prompt action to correct my credit report. If additional documentation or information is required, please notify me promptly so I can provide what is necessary. 

Thank you for your immediate attention to this matter. I expect confirmation that this fraudulent account has been removed from my credit file and that no further actions will be taken by XXXX in connection with this issue.
Product: Vehicle loan or lease

On XX/XX/2021, I, XXXX XXXX sent Capital One Auto Finance a right to rescission regarding my auto loan. Under the Truth and Lending Act ( " TILA '' ) 15 U.S.C Section 1635, return my downpayment in the amount of {$7700.00}, double the finance charge of {$35000.00}, the cancellation of any lien against my property, and cancel the contract. Capital One never responded to my hereby request and proceeded to send me statements regarding a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian Credit File for XXXX XXXX XXXX I paid off a car loan from XXXX on XXXX XX/XX/2023. When the loan was paid in full, Experian decreased my FICO score by XXXX pts. This decrease also changed my FICO score from " Very Good '' to " Good ''. My XXXX and XXXX accounts both increased when this account was paid in full. From that point and currently, my Experian FICO score is XXXX pts below the two other credit reporting services. 

It appears this was a mistake in either reporting or calculation of my credit score and/or the application to my FICO score when a loan was paid in full, and/or how the " paid in full '' loan was reported or applied to my Experian FICO score. 

There is a large difference in a Good vs. Very Good credit score. I assume the algorithms are similar and should not have this much difference. I would appreciate if someone could review this transaction and results and application to my FICO score. 
XXXX XXXX XXXX
Product: Checking or savings account

My account was charged by XXXX for the violation of the Acceptable use Policy of {$3100.00} without a valid reason. 
Transaction Date : XX/XX/21 Amount : {$3100.00} Transaction ID : XXXX XXXX. There was no violation from my side. I sold an item on XXXX, a 100 % authentic XXXX XXXX, and received POSITIVE feedback from the buyer - Transaction ID XXXX XXXX. To protect from any problems, XXXX put a hold for 180 days and I received a letter that I can withdraw my money if during 180 days no issues arise - THERE WERE NO CLAIMS OR ISSUES- I HAVE GOT A POSITIVE FEEDBACK - AND THE BUYER IS HAPPY 3. I did not Violate any of the terms of the Acceptable Use Policy and this transaction caused ZERO damage to any party involved.

I would like you to check all the records and positive feedback to see that nothing was violated. Cancel this withdraw that was made by mistake and return my money back so I could withdraw them and close my account. 

Otherwise, will I have to use legal enforcement : - I will join a class-action lawsuit - I will submit a complaint to CFPB ( Consumer Financial Protection Bureau XXXX and XXXX - I will file a claim in the local small claims court.
Product: Mortgage

We requested a Covid 19 forbearance in XX/XX/scrub> 2023 which was approved. At the end of the forbearance, we deferred the payments to the back end of the loan. I've been informed that this type of activity should not be reflecting negatively on my credit report however our mortgage company, ( NewRez Shellpoint ) is reporting it as XXXX late payment on my credit report. This is negatively impacting me as I'm looking to sell my house and buy a new one. My husband is a Veteran and not able to get a VA loan due to this being reported incorrectly.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

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

These are the accounts that I marked as innacurate. 
XXXX XXXX XXXX - reported 2 latest XXXX XXXX reported 1 late XXXX XXXX XXXX XXXX XXXX XXXX 1 late Remove previous jobs Remove previous addresses Remove phone numbers
Product: Credit reporting or other personal consumer reports

This is the second time disputing these negative items on my credit report and I need them removed. Here are the acccounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} Plus a XXXX XXXX has been added : XXXX XXXX XXXX XXXX XXXX The specific information under dispute is derogatory nature. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the further time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit card or prepaid card

I am contacting your agency in hopes you can help me get my money back. I have paid several companies thousands of dollars for various online businesses related and XXXX XXXX XXXX XXXX was one of them. They took my money under false pretenses. I paid them with my MC ATT Universal Citibank card on X/XX/2016 for {$690.00} then another one at the same day of {$19.00} and another one on XX/XX/2016 of {$6900.00}. They promised me a second web page and a profitable online business. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfil their end of the deal. I know its been a while but I need your help in contacting my credit card company so they can open an investigation. I am seeking your help. I am in debt and all I wanted was an extra income. I hope you help me get my money back. Thank you
Product: Credit reporting

My current contact information is available on any of the XXXX Bureaus. XXXX, XXXX, and XXXX. RGS Financial claims they have sent me via mail the verification paperwork, which is untrue. The RGS Rep I spoke to could not even recite any address that the said paperwork had been sent to. I gave the RGS Rep my current address to forward any and all documents that support their claim ... that this account belongs to me. The RGS Rep was surprised that my address is XXXX, not XXXX. They never sent any paperwork. That would only validate my side. I sent a letter to RGS which I have attached. A second one today. They are in violation of the FCRA guidelines and I need assistance with this problem. In speaking with the RGS Rep he continued to circle back to the same directive, " how would you like to take care of this, XXXX, XXXX? ". I explained that I have never had a XXXX account now or in the past. The time frame they are claiming is only assisting in verifying my claim. They state the account was opened XX/XX/2016 ... well I have been in XXXX, XXXX going on two years. The RGS Rep stated it was an account from XXXX. I was not in XXXX at the time They claim. It is a farce. I would like your Agencies assistance in my request of either getting it removed from my XXXX report or forcing RGS Financial to forward me all the documentation they are claiming verifies this account as mine.