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

While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days.

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 71 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

ABC financial XXXX XXXX XXXX XXXX is charging me for services I never received from XXXX XXXX. This account is 3 years old. First I was charged {$400.00} XX/XX/2018. For a membership I did not receive. Now They want to charge me {$800.00}. The gym was XXXX XXXX   XXXX XXXX XXXX. XXXX, Il. XXXX. Both parties refuse to talk.
Product: Debt collection

ou are in direct violation of several sections of 15 USC 1681.

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it
relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately.

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. I demand that you remove the following account
s : Credence Rm ( XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

I am unable to open an account so to the fact someone opened multiple accounts in my name in XXXX ca. Ive told them over and over Ive never lived nor been to XXXX but Im still being denied an account with any bank
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e XXXX  & Experian I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score.
Product: Checking or savings account

TCF bank authorized my account to withdraw {$3000.00} to XXXX XXXX in 4 different transactions even though doing the first {$500.00} caused my account to be overdrawn and then proceeded another {$1000.00} withdrawal, another {$500.00} withdrawal and then another {$1000.00} withdrawal all within minutes of each other. I reported it within 48 hours and was told to file a police report. The police detective working my case deemed this identity theft and I proved this to TCF. They still refuse to refund my money saying XXXX XXXX says I approved these amounts and benefited from this! My daughter, who is the primary person on this account, is handicapped and deaf. Her phone was hacked and all her information had been stolen. She in no way approved this nor had she ever used XXXX XXXX prior to this and our history proved this! TCF has been horrible to work with and refuse to help or let you speak to their dispute dept. They closed the account out and sent us to a collection agency for their fees. They took back the {$3000.00} from my daughters direct deposit from her XXXX XXXX check and the rest from her sisters account because I, the mother to both girls, am the secondary person on both accounts and shorted her for her monthly bills. When she called to question it she was told to get the money back from her mother!!! TCF have been nothing but rude to deal with. I am going to need an attorney to get this {$3000.00} back because they are ignoring a police report saying this is identity theft. Please help us!!!
Product: Credit reporting or other personal consumer reports

Take a look at the attached documents ; the personal information you are reporting does not pertain to me.
Product: Checking or savings account

I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. 

I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. 

I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. 

The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX account, which provides members with their FICO score. I continuously monitor my credit from this and other sources. A few days ago, I saw that my score went down almost XXXX points on the XXXX app, so I contacted XXXX XXXX XXXX and viewed my reports. Experian shows a XXXX account from XXXX reported XX/XX/XXXX as delinquent by over {$5000.00} in XXXX. I had a Chapter XXXX bankruptcy in XXXX, this account was on it. This should never have been allowed to be placed on my credit report as it was included in the bankruptcy, the account was not within the last 7 years and I believe I should have been contacted when it was reported. I have tried calling Experian and can not get to a person, tried their online dispute tool several times. I am unable to complete my dispute, the website keeps timing me out. Now the account I created says I have the wrong user name and password that I had just created minutes ago. I have maintained perfect credit since XXXX and I am proud of my record and my scores. I would like this to be removed and Experian should be investigated. Neither of the other two bureaus have this issue. Thank you.
Product: Debt collection

I am officially requesting the removal of this erroneous account from my credit report. I did not authorize its creation or utilization. Enclosed are the necessary documents to support my claim.
Product: Credit card or prepaid card

Several years ago, I was in a bit of financial trouble. I asked for a temporary freeze on my account to help me get through it. I was granted the request allowed the auto pay from my account for a year. I continued to make payments over the course of the following year and have almost paid the debt completely off. All payments were made on time and at larger sums that previously. My credit score is the highest it has been in the last two years but I just received an email that my account is being closed due to my credit score.  How is this possible when its the highest it has been? I reached out to customer support to see if my account was going to be closed in XXXX since I noticed I wasn't able to use the card yet. He replied no my account wasn't going to be closed yet a couple months later it is. Now by closing this account you are hurting my credit score that I have worked really hard to build back up again. Your reasoning makes no sense, and how convenient once you get your money you close my account but not 2 years ago when I had a higher balance.
Product: Debt collection

on XX/XX/2024 the collection agency MRS BPO LLC. added a collection report to all three on my credit reports knocking my score down by almost 200 points, after receiving notice from XXXX I immediately contacted the collection agency they said the XXXX was for XXXX XXXX XXXX phone service, I explained i have never had any phone service in my life with XXXX XXXX XXXX. he tried to verify my address which they did not have, he stated my address was a new jersey address and someone opened an account with XXXX XXXX XXXX and never paid one payment on the bill. I explained i have never even been to new jersey or in an XXXX XXXX XXXX store for that mater and to send me proof i signed for any account. he stated this seamed all wrong and they would send me paper work on it, he also questioned how someone could run up a XXXX phone bill with no payments made. i have never got any paperwork from this company. we are getting ready to refinance our house and this has greatly impacted our interest rate, I thought i would try this remedy first before involving and attorney for damages
Product: Checking or savings account

in hopes this claim and its facts are not overlooked, on or around XX/XX/XXXX WELLS FARGO did allow my sister to join my account to hers without my knowledge nor ssa XXXX. on or around XX/XX/XXXX i called the excutive of accounts at wells fargo, after giving her my information she then researched and told me that the account ending in XXXX and ending inXXXX my sister XXXX XXXX had joined her account to mine, and it was put in the way that i was her beneficirary, infact my account was for me a beneficrary of ssa XXXX, and i changed payess on XX/XX/XXXX she i was told closed the account and the money was hers. now according to ssa the account always was and until now is my direct deposit acount, i was given a routing number for direct deposit XXXX, and even the treasury department can verify that, it is not a regular routing number as its claimed to be by XXXX XXXX. thus when she closed the joined account the lady told me that was it, that was XXXX money. and i needed to talk to her or ssa. i cant talk to my sister, and reported her for taking my money as well as wells fargo for allowing this to happen without my consent. as i am cometent and can sign my name, nor have i any guardian as thier new by laws stipulate that is the only way it can be done. 
i lost according to ssa which my later uploads will prove over 60,0004 that since XX/XX/XXXX wasnt even able to see on my account ending in XXXX and also i do not know how i got so many accounts, this violates my rights and the law as well. i was very amazed that wells fargo has tried to denie with white copies that these accounts dont or did exist, then show the transfers between said accounts. nor would ccf over look this, now today i will upload pdfs downloaded by fargo, and they will have the certifacions on them. i do not alledge or claim, i state these facts are real and authentic, and be aware i have filed claims with all oigs involved. it amazed me that such an esteemed finacial instution used such weak tatics, and also that ccf over looked my evidence., so if you look at each file i uploaded you will see that i speak the truth, and there has been an injustice done. but if you dont and just forward to the bank and let them decide, thats a violation of your own code of conduct.added note there are three ssi payments i cant find that was paid in XX/XX/XXXX, and none but XXXX dolaars i saw on my accounts, ssa crime and fugitive divison is looking into this matter as well
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Product: Debt collection

I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX/XXXX  partial account number XXXX. ( Please see pages23 and 24 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however XXXX and Transunion have not removed this from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even Equifax ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?
Product: Credit reporting or other personal consumer reports

I have never had an account with this company. 
This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Transunion, XXXX and XXXX are all the Reporting it that's not 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.