23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX was told by Service Rep at Citibank Credit Card that I was eligible for the XXXX XXXX XXXX bonus miles if I was approved for the new platinum card and after charging $ XXXX within 3 months. In fact, he tried to upsell to a more expensive card with XXXX miles I was eligible for. Online, I applied for and was approved for the card almost immediately. When the card arrived I activated it XX/XX/XXXX I noticed in tiny print on the back side of the Welcome letter that I was not eligible for the bonus offer due to recent opening or closing a Citi Card ( s ). I called and and was told by a Service Rep that  Citibank had cancelled a Citibank card in XX/XX/XXXX due to lack of use and that was within the 24 month period, outside of which the bonus miles would be awarded. Spoke to a supervisor, XXXX, who said the same thing had happened to him by CitiCards ( which seemed a bit unbelievable ) and he offered the solution to apply for a XXXX XXXX card not needing the 24 month period, and for which I would get points to use for hotels, airlines, etc. I told him that unless I continue to use a credit card associated with XXXX XXXX, and of which the card he suggested was not, I would lose the XXXX miles I have acquired on XXXX. I asked if they could close the new credit card and show it not opened, I would wait until XX/XX/XXXX for any new offers. Impossible, he said. After I asked for his supervisor, named XXXX, I was told he would call in 24 - 48 hours. 
XX/XX/XXXX Have not heard from Supervisor XXXX. I called Cust. Service, spoke to XXXX and then her supervisor, XXXX who acknowledged from the record I should have received a call back but no one did. She explained that my issue is a 'gaming rule ' and that NO ONE could cancel the account and show it not opened so I was now in a going forward 24 month period of not being eligible for any bonus offers, including the present one. 
XX/XX/XXXX filed complaint with CitiBank Ethics Hotline. Am advised by email I will not hear the outcome of the complaint. 

In the 20 years of being a Citibank customer, I have never registered a complaint of any kind but I can not accept this deceit of being told I was eligible and then in the tiny print, finding out I was not. Citibank customer reps seemed more interested in selling me additional products for commission than resolving my problem.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Convergent Accts have violated my rights # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I contacted Equifax to request permissible purpose to a hard inquiry made on XXXX XXXX, 2023 by XXXX. Equifax refuses to provide proof of the authorization and refuses to remove the inquiry on my file.
Product: Credit card or prepaid card

I XXXX XXXX card freezes every other use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXXXXXX {$2000.00} to bring an account current, yet at the same time ( 48 hrs ) the account was reported as charged off. I was told by customer service that the status would be rolled back ( I have this conversation recorded ). Yet every call I make to them results in my being transferred to a call center overseas and people who claim to not know anything about it. I would think there would be notes on the account from customer service. I even offered to pay the balance in full immediately, even though the $ XXXX is more than the amount needed to bring it current. The account was late in the first place due to divorce and the ex emptying accounts. Syncrony was aware of this, and I was told that the department needed was not open on weekends. They did not contact me via mail. They have my email and did not contact me there either, or via phone. I was told they had an old phone number yet I had updated it to the one I've had the last 7 or so years. I had an excellent history with them before this. Their reps in other countries contradict what they say and I have recorded countless calls with them where I get different information depending on who I speak to. This is misleading, fraudulent, and they should not be allowed to treat consumers this way. Especially a consumer who is not asking for a settlement, but who wishes to pay the full amount due. Their incorrect reporting will now result in my children and me having a difficult time securing a residence, and also impact my ability to get a job.
Product: Payday loan, title loan, or personal loan

After several loans I've payed off, since last loan of {$1000.00}, I was wrongfully evicted, Relocated 5 hours north in rural XXXX  tx!!! No way to make payment over phone due to lack off their call center personnel don't understand English!!!! Contact number I have in my cell rings in XXXX!!!!! After several attempts over phone and giving routing and checking info to do a draft? No body can answer my questions!!, Can't speak to English speaking personal to discuss possible options? And when payments that were made. I don't speak XXXX and didn't get this loan in XXXX, was in XXXX Texas!!!! And, I'm a XXXX XXXX  veteran who pays his bills, haven't I been through enough? if any investigation into this, my cell phone records will show when my problems started with Oportun, and issues didn't start with these XXXX until XX/XX/2019, when I moved into my new home!!!!! Thank you XXXX!! I've repeatedly tried to pay using my visa debit cards, they don't work with XXXX XXXX XXXX!!! Not my problem! Been with XXXX  over 10 years so. Do some Phone forensics you will see I've tried. I question the amount they say I owe! and I am questioning the employees they hire to answer there phones! in a outsourced sweat shop of a building abroad in the XXXX or XXXX, I know I pay my bills!!! I want this matter addressed or resolved, or wiped out!!! I can't get in touch with anyone who works for them in the United States ever!??? International Phone centers answering calls somewhere!!!
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies regarding unauthorized inquiries under 15 USC 1681c-2, which are damaging my credit. Kindly remove all hard inquiries that I did not authorize.
Product: Checking or savings account

Dear Consumer Finance, I am writing to bring to your attention a deeply troubling situation with my Citibank account that raises serious legal and ethical concerns. 

On XX/XX/year>, I attempted to transfer {$10000.00} from my Citibank account to my XXXX XXXX XXXX account. I encountered a multi-factor authentication error and was instructed to call Citibank for assistance. After more than an hour of being transferred between various departments, I was ultimately locked out of my account. 

Despite providing all requested informationmy Social Security number, account number, phone number, a code sent to my phone, and my debit card numberthe representatives informed me that they could not unlock my account due to internal policies. This situation feels unjust and unacceptable, especially since I am currently out of the country for the next three months. 

Citibank 's only solution is to send a letter to my home address containing a code, which I can not access while abroad. This process not only puts me at risk of being stranded without access to my funds but also raises serious questions about consumer rights. 

When I inquired about other options, I was told there were none. I even requested to close my account and transfer my funds to my other bank, only to have that request rejected. This experience is frustrating and unacceptable, and I believe it reflects a systemic issue that should not be tolerated. 

I urge you to investigate this matter, as it highlights significant concerns about consumer protections in our financial institutions. 

Thank you for your attention to this urgent issue. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The XXXX Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Company accessed my report fradulaenty and furnshied information with out permission. I was never given written notice. I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting. 
2. Verification of their claim against you, that is, a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Hello, On XX/XX/XXXX  I deposited a check from XXXX  for the amount of {$2100.00}. I work for the XXXX XXXX XXXX  and XXXX  is my retirement company that the XXXX uses. I was attempting to transfer money to my other retirement XXXX. XXXX  is an online account and does not accept checks. So I deposited the check ( i still have the original check ) and was going to move the money to my account. I have done this in the past and did not have any issues. Chase Bank depsoited the check which I later learned they should not have done and then seized and froze all my accounts. 

I have gone in directly to chase branches and tried to get my money moved back to me, XXXX XXXX XXXX For close to a year now I have been fighting with the chase to release my funds. I have talked to associate bankers, supervisors, and branch managers and still have not been able to do anything. I have been kicked out of branches and have been hung up on multiple times when dealing with the chase. 

In this l last round I was instructed to gather documents from XXXX providing its my money and giving my authority to receive the check or have it sent to XXXX. I provided all documents requested and can prove that the money is mine. I gave all requested signed documents to Chase and now they are saying they can't accept the documents and need a phone number for XXXX to verbally verify. I have provided every phone number I can find for XXXX  including their main number XXXX XXXX. Chase bank says they can not verify the number and refuses to call. When asked how I'm supposed to get my money I receive the answers I don't know, I am unable to answer that question, or They transfer me and then hang up. 


During this whole process, I have been laughed at, yelled at, and disrespected. I know this sounds like an exaggeration but it really isn't. and I know generally {$2100.00} isn't a lot of money but I've spent years trying to put that money together for my retirement. I struggle and try to do my best but Chase is putting me in a corner and not giving me any options. I've looked at legal options and I can't afford a lawyer to help me. I have all the original documentation, emails, and conversations. Please any help would be greatly appreciated.
Product: Debt collection

My credit monitoring service reported that Allied Collection Services of XXXX XXXX reported an account to the credit bureaus. Allied Collection is in clear violation of the FCRA and the FDCPA. No prior notice of this alleged debt was ever provided. When I contacted them by phone for an explanation, they refused to provide any assistance and disconnected the call without explanation. I dispute any purported debt in its entirety. 

XXXX XXXX
Product: Checking or savings account

XXXX XXXX - an assisted living facility in XXXX, Virginia - part of the company " XXXX XXXX XXXX  '' - has been withdrawing money electronically out of my account without my permission. I have been handling the payments for my mother, XXXX XXXX, who was a resident from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, an electronic withdrawal for {$9200.00} was authorized without my person from my Wells Fargo account. At that time, this was rectified by Wells Fargo and the money returned. On XX/XX/XXXX a check from my account XXXX # XXXX XXXX which I did authorize for {$2700.00} was withdrawn from my account. On XX/XX/XXXX, the same amount - {$2700.00} - was also electronically withdrawn using ACH. I have put in a claim with Wells Fargo. I asked XXXX XXXX to remove my electronic banking information and to never use it again back in XX/XX/XXXX. They did not comply. Wells Fargo has told me that they can not put a hold on XXXX XXXX because they use a different number for every electronic transaction so there is no way for me to stop it on my end. My account at Wells Fargo is now withdrawn. I do not have access to my money and it will be days before this dispute is rectified. 
When I submitted the check ( # XXXX XXXX I also requested a statement showing the amounts paid and a XXXX  balance and the date that my mother left XXXX XXXX. This has not been given to me. 
The people I have contacted over the last seven months at XXXX XXXX are XXXX XXXX, business manager and XXXX XXXX, XXXXxecutive director. At XXXX XXXX XXXX I have contacted XXXX XXXX and XXXX XXXX. I talked with a customer service rep at Wells Fargo and have a claim number for the current dispute.
Product: Credit reporting or other personal consumer reports

I am rewriting to complaint to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXXACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

I have also included the SSN card number as requested to proceed with the disputes.
Product: Debt collection

I received notice of an attempt at debt collection from Fair Collections & Outsourcing. I requested that they verify the debt by mailing proof of both its existence and their ownership of it, and the " proof '' they sent were several documents with someone else 's name on them, leading to me calling and telling them that they should be after the person whose name was on the documents they sent me, and that they should not contact me further. They, however, have since continued to attempt to collect this debt from me regardless, leading to me having to focus on other means of getting them to leave me alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,2017   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Pa  XXXX   XXXX  this company had an inquiry on my credit report that was not authorized by me.
Product: Credit reporting or other personal consumer reports

My identity was stolen from me and I haven't been able to figure out who's responsible for my credit report. I am asking that my complaint be taken into consideration immediately. This is fraudulent activities and these accounts and inquires that's reporting on my credit need to be removed. Please review the attached documents below.
Product: Debt collection

LVN Funding had added something to my credit that was not mine, I disputed the account & it was deleted. A male called me with intimidating tactics & yelling out my address & info like I know where youre at. That was XX/XX/XXXX I also told the to cease & desist. The next day XX/XX/XXXX I was alerted byXX/XX/XXXX that LVNV Funding added a derogatory account to my credit report. An account that was deleted because it wasnt mine. I want them to send $ XXXX for continuing to contact me after I said dont call me & adding a fraudulent derogatory account to my credit report. It shows I opened an account XX/XX/XXXX with LVNV Funding. Please escalate because they must be doing this to lots of people.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to have them removed. This marks the seventh time I am formally requesting the removal of these items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused undue stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit files. 

I expect a prompt and satisfactory resolution to this matter and request confirmation of the removal of these fraudulent items once the necessary actions have been taken. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to retrieve a credit report and a credit score through Equifax and it has gotten me so irritable and very upset. I need them to send me a copy of both my score and report!
Product: Credit card

I returned XXXX  earbuds to XXXX and received an email from XXXX that the XXXX was being refunded and the refund never showed up. I contacted Bank Of America spoke with a rep who gave me a claim number that ultimately was an erroneous number? I faxed the email from XXXX confirming the refund, and BOA Credit card people or dept have marked the claim " under research. '' Unbelievable. Its a legitimate credit card and XXXX has the merchandise in hand.
Product: Credit reporting

Transunion has deleted my inquiries couple months ago and they put those inquiries back. I called them but they did not want to remove it.
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX ( XXXX ), 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.