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

In XX/XX/XXXX I opened a checking account with Citi Bank under a promotion under which a {$300.00} bonus would be rewarded with completion of the following 2 terms : 1. Deposit {$15000.00} of new to Citi Bank funds, and 2. Maintain a balance of {$15000.00} for 60 consecutive  calendar days Upon completion of those 2 terms, the bonus would be deposited into the account after 90 days.

After not receiving the bonus into my checking account, I began with what now has been a 5 month battle to acquire the bonus.

At first, the company informed me that they did not have a W9 on file, this was in XX/XX/XXXX, so I promptly printed and mailed back into them. After not hearing from them for several weeks I called and they stated that they had not received it ( this was in late XX/XX/XXXX ), so I resent. 

Contacted them again in XX/XX/XXXX and finally spoke with a supervisor who stated that they received the W9 on XX/XX/XXXX, and that she would initiate an investigation. 

I later received a letter stating that I had not met the terms of the agreement because I failed to open a savings account ( which is clearly not one of their terms of agreement ), so I called on Wednesday XX/XX/XXXX and spoke with XXXX ( Team # XXXX ) who stated that I had completed all the terms and was not sure why I had not received the bonus, but that should would, again, escalate this to the investigation dept, and that she would contact me direct for a follow up in a few days. 

After still not hearing from XXXX, I called today, XX/XX/XXXX and spoke with another supervisor XXXX ( Team # XXXX ), and after another extended phone call, was told that she would take over and escalate it to the investigation dept ( the same one that denied the bonus based on false term ). Informed her that I was contacting the CFPB. She did tell me that she would get back in touch with me by Tuesday, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.
Product: Credit card or prepaid card

I signed up for a US Bank Mastercard in XX/XX/XXXX of this year at a retail merchant with the promise of receiving a {$100.00} credit/refund upon using the card for a purchase within 90 days. I made a first purchase within 2 weeks of activating my card. It is now 14 weeks since signing up for the card and I still have not received the promised {$100.00}. 

During several calls over the past 2 months, I have been told that I am : not eligible for the {$100.00} ; that I am eligible for the {$100.00} and I should be receiving it shortly ; that it can take up to 12 weeks from the date of purchase ; and now told that it can take up to 12-14 weeks from the date US Bank approved my card for the refund program - a date that US Bank now claims is approx 2 months after I activated and used the card. I believe I was sold a credit card under false pretenses and that US Bank is utilizing unscrupulous business practices to delay payment and accrue more interest. I filed a formal complaint with the XXXX. 

UPDATE : US Bank contacted me after reviewing my complaint with the XXXX  and promised in writing to issue the {$100.00} credit. I accepted their resolution and closed the complaint. A month later on XX/XX/XXXX, they sent me a letter indicating they would not honor that promise. I confirmed that position with a US Bank supervisor today. I will be exploring the option of filing a complaint with the FTC.
Product: Credit reporting or other personal consumer reports

I have filed disputes against these companies several times and each time they come back as verified without validation or corrections. This has caused me many denials and much stress.and is keeping me from being approved of additional credit In accordance with the fair credit reporting ( account name and number ) has violated my rights 15 U.S.C 1681 section 602A 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 an account without my written instructions.
Product: Debt collection

XXXX XXXX services which is trying to collect a debt for LVNV funding LLC has continued to use deceptive practices by sending me emails every other day and also calling me at least 2 times per day and also sending me text messages that I have records of. LVNV Funding LLC can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of { { {$2500.00} } } in order to file as ordinary income. LVNV funding has illegally reported an alleged debt to my consumer profile. A charge is considered a certificate of indebtness and which means it is income and must be removed off my credit report! All the violations will be sent in the uploaded documentation. 
Violation of 15 usc 1692.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that appears on my credit report. Please find below the detailed account of the inaccuracies and the relevant supporting information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company that which goes by, SCA COLLECTIONS XX/XX/XXXX the original creditor was XXXX XXXX XXXX has taken a debt out under my information and credit file of {$260.00} from the date of XX/XX/2014. I was never at the place there talking and have tried contacting them but seems like all they want to get is a card number and my information. I have tried to get it straightened out but I feel like all they want is my money for something to do nothing about or with me or involving me. There hurting my character figure and financial well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a bad car loan at the age of XXXX to for above 21 % on a vehicle that was at the time 6 years old. My monthly payments were {$300.00} per month for the vehicle. I made payments on time for several  years until I fell on hard times. The car was eventually repossessed in the year of 2013. The information on the credit report does not reflect what I actually paid on time for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : XXXX, XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account # : XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

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

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/2021 I received a XXXX dollar fraudulent check to be a " secret shopper '' for XXXX. I was under the impression this check was valid. The assignment was to buy gift cards with XXXX and keep XXXX. The gift cards were meant for my " next assignment ''. I went to the bank to deposit the check through a teller. The " secret shopper '' assignment claimed to have a time limit in order to receive a bonus for my efforts. I asked the bank if the check was able to go through sooner than later due to this assignment, also explaining the assignment and showing the documents I have received. The bank explained to me that it would take XXXX days at most to go through because the check needed to be under review to make sure the funds were actually available since I did not have the funds in my account to match the check in the case that the check bounces. I called customer service to have them explain this to me in further detail, I did not get upset with the bank knowing that they we're just making sure my money was secure, or so I was under the impression. The check went through the next morning and I was able to purchase the first XXXX dollar gift card in which I was supposed to send pictures to " XXXX '' which was the scammer. the next day I went to complete my assignment and noticed that my account was negative the XXXX I spent on the gift card. I called my bank and they informed me this was a fraudulent check. I visited my bank ( TD Bank ) to see how we can resolve this issue and the bank explained to me it was my responsibility for giving them this check although this is a known scam. The bank told me to try and get the gift card returned, which was not possible and the funds have been used by the scammer. I went back to the bank and I explained that I was under the impression this check would not be deposited into my account unless it was proven to be valid prior. This man kept repeating that if my cousin gave me a check to deposit and said he would pay me for it that it would be sketchy. This however was not my cousin, this was scammer who has made me a victim of fraud. I was told I have 30 days to resolve the issue before it was sent to collections, yet I am not the one who released the money to myself, the bank gave me money that didn't exist and put me under the impression that it would exist before giving it to me. Banks were put in place to keep our money safe, and now I have been compromised of money that I don't have to begin with. I do not have a credit card for this reason, I have a debit card in which I am not supposed to be paying back because it is used for money I already have.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX updated their system and my minimum payment changed, but my auto payment was never adjusted on their end. I had set up my payment to take the minimum due, so that it was never late. They never contacted me and continued to report me late and charge me late fees and interest. I pay my accounts and have them all set up on auto and I am never late. My wife tried repeated times to discuss and get this fixed and they are reporting on me and my wife as being late XXXX days XXXX through XXXX. I am going to seek Attorney counsel and legal action if this does not get resolved on both our credit reporting. My wifed has called several times because I work late and I have given them permission to speak to her on my behalf and they refuse to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus TransUnion, XXXX, and XXXX have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Product: Debt collection

I had a charged off account with XXXX from XX/XX/XXXX, it was charged off as closed. Jefferson capital reopened the account as owed in XX/XX/XXXX, this account would be off my credit and they have opened an incorrect account that was closed. This is not an accurate account.
Product: Debt collection

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CREDIT MANAGEMENT COMPANY : XXXX. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX, beneficiary All Rights Reserved
Product: Debt collection

XXXX XXXX XXXX obtained an illegal garnishment on my wages and bank account. When I call I was told no accout existed and to call back on Monday. When I goto their website it says a debt is vailid for over {$6800.00}. I was never made aware of this debt and was not served with anything. I am a single mom, head of household and sole provider for my XXXX old XXXX daughter, my XXXX yr old XXXX son and my XXXX ur old mom with XXXX XXXX. I barely make min wage. The debt information provided to me was from XX/XX/2005. I did have the same company garnish my wages in XX/XX/2005 but was taken away when i proved the debt was not mine and I didnt make enough for them to garnish. This time they took my daughters child support, my rent and my paycheck ... I CANT AFFORD TO PAY A DEBT THAT IS NOT MINE!!! PLEASE HELP ME!!! They took the money last night at XXXX XXXX when there was nobody to dispute to and my bank said due to legal issues they could not provied me I go.., PLEASE HELP ME!!
Product: Credit reporting or other personal consumer reports

My Veros credit auto loan is reporting a closed/charged off account & shows XXXX  paid. I haven't missed a payment in XXXX+ years. Need this corrected since it is damaging my credit
Product: Credit reporting or other personal consumer reports

Amount : {$440.00} Date : XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 12 CFR 1016.1 Purpose and scope governs the treatment of nonpublic personal information about consumers by the financial intuitions. XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies Experian, XXXX, and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to Experian, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX, and XXXX are not and has not maintained reasonable procedures. This is in complete violation of the Privacy Act of 1974 and a direct display of willful noncompliance per 15 U.S. Code 1681n. Thank you for your time and attention to this matter.
Product: Bank account or service

Hello, I been with Well Fargo for so many years ( since 2000 ) and the way their backing works is no fair. Before paying some bills, I always check the phone appt to see how much I have in my acct and then i pay the bills. but one the bills go thru i actually did not have what they showed so they overdraft my account, no ones but two time ( back to back ) i call and they are refusing to re-inverses my {$70.00}, it had happen so many times that i want to closed this acct, but i have been with them so many years that i think my credit will be affected. On the pas 18 months they have charge me {$910.00}, just on this fees. 
I would like to see if thy refund me some of this money is unfair how much money they make without my consent. 
Their appt shows something and when you used the money you actually do n't have what they said.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX its not my account XXXX XXXX XXXX is not my account XXXX is not my account XXXX XXXX is not my account In XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX is not my address and I have never lived there my ex-girlfriend live there and she use my phone to create all type of increase that is not mine I have been struggling with all three credit bureaus to try to get this removed for over 90 days and it is affecting my living situation definition of character and is getting me denied for a lot of opportunities for my business I need these items removed immediately so that I can proceed with my XXXX XXXX XXXX XXXX  company it is stopping me from getting Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need to stop in my goals and plans please address this issue immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not offer a way to TEMPORARILY lift a credit freeze on the automated system. 

Previous complaint was filed on XX/XX/2020. A report from Experian was sent to me with a phone number to call or a web address to TEMPORARILY LIFT a security freeze for a period of time in order to apply for credit or for any transaction ... '' The telephone / automated system does not allow for a temporary lifting of the freeze only a permanent removal which is required in writing. 

Please add this TEMPORARY LIFTING of a credit freeze to the automated system.
Product: Credit reporting or other personal consumer reports

Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require. 

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, MI, XXXX - This employer information does not belong to me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally dispute the accuracy of information on my credit report pertaining to certain charge-off accounts. It has come to my attention that the reported balances for these accounts are inaccurate, as they should reflect a XXXX balance. 

XXXX XXXXXXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00}
Product: Debt collection

This company been trying to collect a debt not owe by me they also showing 2 different time on my credit report under 2 different name which is saying i owe them this debt twice I been staying at my mothers house my whole life.