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

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. My phone number XXXX. I am reaching out to you to complain about Citibank 's unethical business practice. 

I saw Citibank 's advertisement on their website regarding a welcome bonus if a prospective applicant opens a checking account and deposita certain amount of funds within 20 days of opening the account and maintains the balance for XXXX days. The amount of bonus varies depending on the amount of funds on the XXXX day of account opening. I have attached a pdf version of their website advertisement to this complaint for your reference. I wanted to deposit 50,000 USD and maintain that balance for XXXX days to collect a 700 USD welcome bonus. Accordingly, I signed up for a basic checking account online ( Application ID : XXXX ) on XX/XX/XXXX and provided supporting documentation as requested by Citibank that day. As per the offer requirement, I should have deposited the amount by XX/XX/XXXX which is today. I could not deposit the funds because Citibank did not provide me with an account number yet. However, I have been receiving emails from Citibank reminding me that I should deposit funds into the account. THose emails provide my account number but only the last XXXX digits. I reached out to their customer service XXXX times since I signed up to request them to provide me with a bank account however, they said that the documentation that I provided needs to be verified which takes XXXX business days and until then they can not provide me the bank account number. It has been XXXX days and they did not complete that verification and so they did not provide me with the bank account details. They did not contact me to update me on where the process is and if any additional/supporting documents are required to complete the verification. 
I called customer care to ask if they will extend the eligibility grace period as they did not provide me with the details to deposit the funds, they denied it and said that I lost my eligibility. When I requested to escalate the issue to a supervisor, the customer service representative put me on hold but later disconnected. I later did not receive any communication or call from the supervisor. This is unfair as they did not create an account in time and for their inefficiency, I am having to lose 700 USD. I explained to them that it is not my mistake and that they failed their responsibility but they disagreed. This is a classic example of " Bait and Switch ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS PLACED THE FOLLOWING CONSUMER STATEMENT ON MY FILE AND I NEED IT REMOVED XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


THIS IS A BOGUS STATEMENT PLACED BY THIS COMPANY WITHOUT MY PERMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have right under 15 USC 16 81. 
Equifax, XXXX XXXX XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax, XXXX XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I sent a validation letter to Caine & Weiner Company Inc via registered mail # XXXX XXXX XXXX XXXX XXXX on the date of XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate it in a notice. They didn't respond. They are currently causing financial injury to me and making it difficult for me to acquire credit.
Product: Debt collection

15 USC 6802 15USC 1681B 18 USC 1028A According to the fair credit reporting act ( FCRA ) section 605B it is illegal to report without my permission. Please remove this items from my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Acima Digital FKA SIMP XXXX XXXX XXXX XXXX FL XXXX UT XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within 30 days. Thank you for your attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a correction of the following information that appears on my XXXX, Experian, XXXX XXXX report : Dispute 1 o Account Number : XXXX o Amount : {$20000.00} o The report shows I currently owe money to XXXX that I have already paid. XXXX was paid in full, please close account as paid in full. 

Dispute 2 o Account Number : UNKNOWN o Amount {$100.00} o XXXX XXXX XXXX appeared on my credit report without any notice. It is my consumers right and credit law that I be notified of any debts before appearing on my credit report. I am also not aware of the debt. 
Please delete this from my report. 

Dispute 3 o Account Number : XXXX o Amount : {$830.00} o The report shows I currently owe money to LVNV/Resurgent that I have already repaid. XXXX or XXXX agreed to delete this account from my credit report as they were paid. 
o Please Delete. 

Dispute XXXX : Account : UNKNOWN - Portfolio Recovery Experian is still reporting Portfolio Recovery which was paid 2 years ago. 
Amount : {$830.00} Please delete. 

Dispute XXXX : Please remove the following addresses, they do not belong to me : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX PA XXXX I have attached a copy of my receipts and correspondence with the accounts mentioned. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

Attach is question that need to be answer concerning any violation of the servicer.

BSI and XXXX. After reviewing your company webpage I do not see any of my question have been answer before concerning a advanced escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file, i saw that i have too many inquiries that were not authorized by me, but my guess it is that when i applied for a car loan, they shopped around my SSN, therefore it resulted to about more than a dozen inquiries witch is hurting my credit file
Product: Checking or savings account

A company called XXXX XXXX XXXX has been charging my account for 7 months in the amount of {$36.00} totaling {$250.00} I have submitted this to the fraud dept of bank of america, but as this company sent back a response with nothing more than my info that they had on file to charge me, bank of america is denying claim. I have escalated this claim and no response as of yet. 
Also and email attempts and or phone call attempts go unanswered when I try to contact this company. 
I don't know this company, have never given them my info, and it has been obtained thru fraud that any charges ever went through to this company. They havs my wrong address and wrong phone # that I have had for over 2 years and the address they listed was from about 10 years ago. 
XXXX is the # they have listed, when you call it automatically hangs up. 
XXXX goes unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a hold of equifax for my credit score and they told me they can not pull my reportbat this time because my social does not match
Product: Credit card or prepaid card

On XX/XX/XXXX I received a credit monitoring alert that a new credit card was opened with SYNCB/PPC which is Paypal Credit XXXX So I called the creditor and they verified that someone uses my name and address but the email address didn't match mine. Someone opened up a credit card with Paypal credit on XX/XX/XXXX and charged {$1800.00} and I don't know what it was for. So the creditor closes the account and submits it to their fraud department. I have already contacted the credit bureau about this fraud transaction and I was told to go to ftc.gov to file a fraud report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 43 errors require correction but Equifax never response anything
Product: Debt collection

I get repeat calls from Municipal Services Bureau about an " important matter '' on my business telephone line. This line has never been associated with any personal debts ( mine or anyone else 's ). And internet search lists them as a debt collection agency. I have received XXXX calls this week alone. None of the voice messages mention the reason, my name, any name, or anything aside from a call back number.
Product: Money transfer, virtual currency, or money service

I've called the company multiple times and i send my funds to the wrong person cash app it's there company I'm sure they know once you have sent money to an account it automatically accept the funds without anyone accepting well as soon as i send my funds i requested it back i was pending for about 30 days finally this month which is XXXX once the request expired for me to be able to do anything i went in to dispute it and it stated at this point the funds was returned to my account and i don't have the funds cash app saying it wasn't complete so there's nothing to be done I've called asking for manager supervisor no has talked to me or attempt to contact me every one keep telling me i look into it in the future look at the payment before sending is there another transaction to be dealt with either hang up in my ear or the computer from online support i guess speaking so i gets no understanding nobody to explain nothing very rude company and I'm feel it's a legal way to steal people money this the XXXX XXXX dollars that's going missing from my cash app than the last person i talked to told me i wasn't complying to give information i asked to speak to a manager she than hung up stating she cancelling my account
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment on my credit report XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent inquiry was made today on my Transunion credit report by XXXX XXXX. I was alerted via a credit reporting watch I have with Transunion. A screenshot of this inquiry is below. I called with no resolution and have written a letter. 

I have no open accounts with XXXX and should not have had ANY inquiries on my personal credit report. I am disputing this whether this hard or a soft inquiry ; either way, I want this removed immediately, please. I have recently had fraudulent addresses appear on my credit report and in XX/XX/XXXX, I contacted XXXX XXXX. I sent a letter to : XXXX XXXX, Attn. : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX specifically asking to be certain XXXX XXXX was not reporting fraudulent and incorrect information to the credit bureaus. THIS REQUEST SHOULD NOT HAVE CAUSED AN INQUIRY OF ANY KIND. Obviously, I am trying to clean up my credit report of fraudulent information, not have random inquiries added which would be further detriment. I did not give any authorization or permission for any inquiry.
Product: Money transfer, virtual currency, or money service

XXXX i called this number thinking that they are real GEMINI SUPPPORT. but instead of fixing my problem, they stole all my money. then I checked the internet with their number and i found that they are scamming people with this number. Its my request to FTC to anyhow stop their number as they are running the biggest crypto currency scam.
Product: Checking or savings account

After opening an account with citibank for a promotional offer, and spending a tremendous amount of time communicating with Citibank to actually receive the promotion, I decided to discontinue banking with citi, and went about closing my account. I withdrew all funds from my account, and used the " Citi XXXX '' feature to communicate that I wanted to close my account. The representative indicated that it was closed. 

Several weeks after I having been told by the citi representative that the account would be closed, I received a charge on my account of {$25.00} for having a " lower monthly balance than required '' for maintaining the account. Given that I had requested the account to be closed, this should not have occurred. It took me 3+ calls to Citibank ( over an hour each ) to try and resolve this issue. 

I eventually received confirmation that the {$25.00} charge would be reversed, and the account would be closed. One day after this occurred, I received a {$35.00} " overdraft fee '' on the account, as the account had a zero-balance, so the {$25.00} charge from citi was viewed as an overdraft. Not only is this an absurd practice, to charge overdraft for fees issued by the bank, but this seems like predatory activity. This also represents fraudulent activity, as the bank is prohibiting me from closing an account, and billing me for a service which I requested to discontinue, and had received verbal confirmation several times that it had been discontinued. 

I am now in the process of trying to resolve this issue, and anticipate that I will need to spend several more hours. This company should be heavily fined.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX Volkswagen XXXX XXXX XXXX Dear CFPB Team, I am writing to formally submit a complaint against XXXX VW XXXX XXXX XXXX regarding unresolved issues with my vehicle that have persisted despite numerous attempts to rectify them. My vehicle has been in the dealership 's service department since XX/XX/2024, primarily due to Bluetooth connectivity, radio, and air conditioning malfunctions. As a result, I have been deprived of my vehicle for over two months. 

Under the Consumer Leasing Act ( 15 U.S.C. 1667 ), consumers are entitled to the enjoyment and use of the vehicle they are leasing. Furthermore, the Florida Lemon Law ( Fla. Stat. 681.101 et seq. ) stipulates that a vehicle is considered a lemon if it has been out of service for more than 15 consecutive days for repairs related to a defect covered by warranty. Given that my vehicle has been with the dealership for an extended period and the issues remain unresolved, I believe I have valid grounds for relief under these statutes. 

Despite the significant duration of my vehicle 's stay at the dealership, XXXX VW XXXX XXXX has insisted that I continue to fulfill the lease obligations as stipulated in our original agreement. This insistence, in my opinion, constitutes a violation of my consumer rights, especially considering the persistent defects and the extensive time my vehicle has spent in repair. 

Recently, I was informed that my vehicle had been repaired and was ready for pick-up. However, upon inspection, I discovered that the same issues persisted. Additionally, the condition of the vehicle upon return was unsatisfactory ; the seats were dirty with grease, and scratches on the doors had been improperly masked with a marker. I was compelled to take time off work to retrieve my vehicle, only to return it immediately due to these unresolved issues. 

In light of these circumstances, I am seeking compensation for the following : 1. The inability to utilize my vehicle for over two months. 
2. Lost income associated with time taken off work to address these issues.

3. Expenses incurred for gas during multiple trips to the dealership.

4. The mental and emotional distress caused by this ongoing predicament. 

Attached to this letter are documents supporting my claims, including records of text messages exchanged since XX/XX/2024, the work order from the dealership, and my second complaint regarding these unresolved issues. 

I respectfully request that the CFPB intervene in this matter to ensure that XXXX VW XXXX XXXX XXXX addresses these issues in a timely and comprehensive manner. I appreciate your attention to this complaint and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard Inquiries on my transunion credit report that needs to be removed. 

XXXX XXXX XXXX XXXX SO XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX   XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inquiries listed on my recent credit report, which I obtained from your agency. After carefully reviewing the report, I have identified several inquiries that I believe should not be included in my credit history. 
Below are the details of the disputed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that credit inquiries can impact my credit score, and I am concerned about the negative effects these inquiries may have on my financial profile. I have not authorized any of the above inquiries and believe they are inaccurate or unauthorized. 

I kindly request that you investigate these inquiries and provide a response as soon as possible. If these inquiries can not be verified as legitimate, I request that they be removed from my credit report to ensure the accuracy of my credit history. 
If you require any further information from me to expedite this process, please do not hesitate to contact me at
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX has been illegally reporting my information to XXXX XXXX Agencies. ( XXXX XXXX and EQUIFAX ). Under 15 USC 1681 ( b ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates, and 15 USC 6802 - Obligations with respect to disclosures of personal information - states that a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) Opt Out- the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I DID NOT give verbal or written permission for my information to be shared, nor was I given the option to Opt Out of my information being shared to any Consumer Reporting Agencies ( XXXX XXXX or EQUIFAX ). Charges by XXXX XXXX XXXX XXXX are XX/XX/year> {$6600.00}, XX/XX/year> $ XXXX {$2400.00}
Product: Credit reporting 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. I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX that is with XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. I also have no written agreement or obligation to this company whatsoever. Additionally, according to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am contacting you for the second time regarding inaccurate information in my credit report provided by TransUnion. Specifically, I am referring to FIRST XXXXXXXX XXXX XXXX, which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that TransUnion is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between TransUnion and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, TransUnion says they sent me the results that I never received those results, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by TransUnion. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.