23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX Bank in XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX XXXX to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX Bank is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Mortgage

I had been trying to do a short sale with Wells Fargo for way over a year. I tried one time and they took months to process, this lead the buyer, who had a cash, to pull out after 8 months of trying to close. ALL the documents requested from Wells Fargo were submitted, at times 3 and  4 times. I tried the short sale process again in XXXX. I also had a buyer with a cash off for {$210000.00} ( investor wanted {$210000.00}, but buyer went over and above the asking price to get this deal close ). Cash offer had been on the table since early XX/XX/XXXX, all documents were submitted by my attorney to Wells Fargo. In XXXX, my attorney received notice from Wells Fargo that the loan does not meet the investor 's requirements ( HUD.. my FHA Case # is XXXX ). that they were not entertaining anything but a sheriff sale. I inquired with Wells Fargo for the reasons and they stated that there was no offer on the table and that the short sale process was too close to the sheriff sale date ( which was XX/XX/XXXX ). 
I had questioned the person on the telephone at Wells Fargo as to why the issue of the offer, we have had a cash offer since early XXXX. I inquired if they did not pass this info to the investor and this person say, " whatever you gave us, we gave to them '', but still, the question is why did HUD NOT know of the cash offer for {$210000.00} since early XXXX?? 
The apartment went to be sold at the sheriff sale for {$180000.00}. My concern is the larger deficiency as a result of Wells Fargo NOT doing their work. I will likely be hit with a XXXX for about {$35000.00} and/or be sued for that large deficiency. The {$210000.00} would have covered any deficiency. I would like an investigation to see if Wells Fargo gave the investor the information regarding the cash offer for {$210000.00}. My attorney was extremely upset as he worked so hard on this case and stated that this was the only Short Sale he was not able to complete in many years of doing short sales. Why would someone choose {$180000.00} over {$210000.00} cash? Makes no sense.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX  XXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transworld sent me a letter/collection invoice dated XX/XX/XXXX for an alleged {$160.00} debt. Pursuant to 15 U.S.C. 1692g, I sent a validation letter dated XX/XX/XXXX sent by certified mail - tracking number # XXXX. However, Transworld violated the law and reported this fraud account to the CRA 's ( XXXX, XXXX, and XXXX ) starting XX/XX/XXXX, violating the FDCPA. Transworld replied to my validation letter well past 30 days with a letter dated XX/XX/XXXX ; the contents of the letter confirmed to me that this was not my debt and is a fraud account. Transworld has committed multiple violations of the FDCPA. Please see attachments.
Product: Checking or savings account

Subject : Failure to Receive Advertised Bonus for New Business Checking Account Dear Sir/Madam, I am writing to express my concern regarding the failure to receive the advertised bonus for opening a new business checking account with Bank of America XXXX 

On XX/XX/year>, I opened a new business checking account for my company based on the promotional offer outlined here : Bank of America Promotional Offer. The promotion clearly stated that by opening a new Bank of America business checking account and depositing {$20000.00}, I would be eligible for a {$1000.00} cash bonus. 

The terms of the promotion were as follows : A {$1000.00} cash bonus for depositing {$20000.00} or more in new money into the new business checking account within 30 days of opening and maintaining an average balance of {$20000.00} or more during the maintenance period. 
The maintenance period begins XXXX calendar days after the account opening and ends XXXX calendar days after the account opening. 
A {$1500.00} cash bonus for depositing {$50000.00} or more and maintaining the balance during the same period. 
I followed the promotional terms precisely : I opened the account and enrolled in the promotion. 
I received confirmation of my enrollment on XX/XX/year>, from Bank of America representative. 
I deposited {$20000.00} on XX/XX/year>, and received preferred rewards for this account. 
Despite fulfilling all the terms, I did not receive the promised bonus. I raised this issue through Consumer Client Escalations. After being transferred through multiple representatives, I was informed that I was ineligible for the bonus because I had not received the offer directly from a Bank of America specialist or communication. But I did not receive any official letter to explain the reason of deny. 

However, I opened the account directly through the Bank of America website, which, in my understanding, constitutes direct communication from the bank. Therefore, I believe I should be eligible for the promotional bonus, as the website itself presented the offer and I met all other requirements. 

I kindly request a review of my case and resolution to ensure that the promotional terms are honored as outlined. 

I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Mortgage

I have been attempting for over a year to get Citibank , N.A . to either cancel a XXXX Deed of Trust ( XXXX XXXX mortgage ) recorded in XXXX XXXX, NC, in Book XXXX at Page XXXX on XX/XX/XXXX, or to provide me with a payoff statement so that I can pay it off. I am trying to sell my house and it is a lien on my property so that I can not sell it without a payoff or cancellation of the DT. They responded and informed me that they would cancel the Deed of Trust ( record a XXXX release ) in early XXXX, XXXX, but then stopped communicating after informing me that an Assignment from XXXX to Citi was never recorded in the XXXX XXXX XXXX of Deeds, and therefore, they would have to send it to their legal department so that they could record the Assignment first, then record the cancellation. ( The Promissory Note was assigned from XXXX XXXX  XXXX XXXX XXXX XXXX  to CitiMortgage XXXX XXXX in XX/XX/XXXX, but no Assignment of the Deed of Trust was recorded in the XXXX XXXX Register of Deeds office. The Register of Deeds only has the original Deed of Trust in favor of XXXX Mortgage XXXX dba Southbanc on record, recorded in Book XXXX at Page XXXX on XX/XX/XXXX. ) Please help me because I desparately need to sell my house, but this lien it tying up my title. I have requested that Citi provide me with the attorney 's name handling the Assignment and XXXX XXXX, but they have stopped all communication with me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 the full remaining balance of loan account XXXX with Preferred Credit was paid in full. Prior to this in XXXX the balance was paid 50 % off. I called Preferred Credit multiple times in XXXX, XXXX and XXXX to ensure these payment updates would be reflected and they were not. I called the credit bureau XXXX multiple times and not only was the information never corrected their questions used to identify my identity were accounts that were not mine or did not have a valid answer. When I informed them of this they hung up the call after one to two hour hold times. I disputed this online twice and the last time on XX/XX/2021 confirmation : XXXX and the investigation should have been completed XX/XX/2021, but it remains locked with no results. Therefore, I can not dispute it again because it shows active but nothing being done to resolve it. I have called the credit bureau XXXX and they have refused to fix it. I have called Preferred Credit and spoke with two Supervisors one XXXX and explained how it affected my credit score and needed to be removed from my credit report and it was not fixed. I emailed complaints with supporting documentation on XX/XX/XXXX and XX/XX/XXXX and have not received any responses. On XX/XX/XXXX again my credit score went down XXXX points on XXXX with no explanation or supporting documentation and this account remains on there. I need this preferred credit account removed immediately and my credit score updated immediately. I would also like to file a formal complaint against XXXX for knowingly reporting false information, refusing to correct false information and knowingly allowing my credit score to be impacted by this false information. I also want to file a formal investigation into Preferred Credit for refusing to ensure correct information is reported to the credit bureau and causing harm to my credit score and ability to purchase.
Product: Checking or savings account

i was offered {$300.00} if i opened a business checking and credit cards with bank of america after a bank visit. then i opened it in XXXX with the help of XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

i met the conditions for the {$300.00} bonus. but i have not yet received the bonus. i went back to the branch and checked with XXXX XXXX. He confirmed that all conditions were met and he submitted a request to the back office. it 's not resolved and then he requested again. still so far, i have n't seen my bonus yet.
Product: Debt collection

Its obviously a fake debt collector. It states its Citibank regarding your Citibank card. It does not state the actual credit card, like Home Depot, XXXX, etc. When you call the number its another robo, asking for your phone number, ss # or credit card number. I put in my phone number and then it said it can not be found. Then it said to put in my SS # or credit card number. I'm not that stupid.
Product: Debt collection

second request : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a revolving account with Swiss Colony. I legally changed my name in XX/XX/2021. I used my revolving line of credit to place an order after contacting them to change my name and they were provided with my account number. Instead of charging my account, Swiss Colony pulled my credit and opened a new line of credit. 

XXXX XXXX I moved to a new address and placed an order for two items using my line of credit. Again Swiss Colony pulled my credit to open a new line instead of using the account which was provided. 

I contacted the company and was told when you place an order you are subject to a credit inquiry. However, my line of credit has been established for years.
Product: Credit reporting

Please help assist me, there is a judgment showing up on my credit report which is NOT mine. I have disputed several times and Experian reply 's they verified which is not accurate. I called the court house and the company whom filed the judgement and confirmed myself this is not mine. I want it removed from my report. There is also another issue reporting XXXX XXXX child support, this is inaccurate also stating I owe I do not owe anything on child support again took it upon myself and contact this agency, I am correct nothing is owed, I also am requesting this be removed. It is very sad this agency does n't verify anything and keeps on reporting inaccurate data. My next step will be hire an attorney and contacting my states attorney general office if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 60 days past due on the WFDS/WDS partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The Experian, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

hillcrest davidson and associates LLC says i owe money for a service i never agreed or or received XXXX XXXX XXXX ). i got a debt collection letter in the mail on XXXX XX/XX/XXXX and the company says i owe {$1300.00}.
Product: Credit reporting

My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for making on-time payments
Product: Credit card or prepaid card

See the attached complaint about American Express failing to pay XXXX  {$160000.00} in settlements on our merchant processing account.
Product: Money transfer, virtual currency, or money service

This is regardi ng Western Union : Money  for the amount of {$3900.00} withdrawn from my checking account without my authorization. There are  XXXX  transactions for the amount of {$990.00} appeared on  XXXX / XXXX / 2017 .  XXXX  of the transactions was reversed on  XXXX / XXXX / 2017 . All without my consent.     I have previously done business with this company, however, I did not authorize these transactions. Please note that I have shared my banking informatio n ( acco unt number /routing number ) and debit card information with this company in the past for money transfer purposes.     I did contact this company and they refused to refund the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Product: Bank account or service

CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.
Product: Credit card

I opened my Citi Bank credit card in 2023, I never used the card. In XXXX I was notified that a {$95.00} card was added to the account for the yearly fee. I promptly called, spoke with customer service, was told the card was cancelled and the fee was waved. In XXXX I received a late payment notice. I called and was told it takes some time to cancel the card, disregard the notice. In XXXX ( today ) I received a call from collections about the {$95.00} fee. I ended up calling citi bank cancelling the card for good and they refused to wave the fee so I paid it. I will never bank or use Citi bank again.
Product: Credit reporting or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. 
The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. 
Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND that you delete ALL the accounts listed below IMMEDIATELY. 
Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XX/XX/21 I made online payments to my student loans held by Navient. I selected the option of specifying the amount paid on each loan separately. I paid a total of {$570.00} dollars to Navient. This amount was posted to my checking account on XX/XX/21. On XX/XX/21, I received an email from Navient stating that I had paid {$430.00} and that two of the loans I had paid, still had balances due. Neither this email, nor my account information on their website showed the additional {$140.00} that I had paid in. I contacted Navient, and they were unhelpful. I contacted my bank and reported this payment to their dispute resolution department.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have submitted disputes to XXXX, Transunion, and XXXX in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.