23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I opened a Citigold checking account under the promotion code XXXX, made the required deposit on XXXX XXXX, it 's XX/XX/XXXX now and the promised {$500.00} bonus still has n't posted to my account. 

Contacted Citi regarding this issue several times, no one can give an answer as to when the bonus would post and why it has n't posted.
Product: Credit reporting

XXXX XXXX has deemed account to be fraud and Equifax refuses to remove it even though I uploaded the documents XXXX XXXX sent me stating account was found to be fraud.
Product: Debt collection

Upon reviewing my recent credit report, I found several accounts that appear to be inaccurate and were added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue was never resolved and has been on going. I am to the point of filing a lawsuit because the false reporting is causing me XXXX and is taking on me moving because do to your companies false reporting. There is a collection listed as security in the amount of {$1900.00} opened XXXX XXXX and also XXXX XXXX {$1400.00} XXXX XXXX XXXX which is fraudulent and does n't belong to me and I would like remove. Also your agency is not reporting accurately on my credit cards which I have paid down the balances please get these things corrected as they are cause extreme stress on my life. Having a XXXX child with XXXX XXXX XXXX XXXXs enough so please fix these issues so me and my son can move. If there 's any questions I can be reached at XXXX
Product: Credit reporting or other personal consumer reports

these inquiries are unauthorized and theyre not related to any transaction by me. 
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 XXXXXX/XX/year>
Product: Debt collection

Account has been on credit report unnoticed and do not know what this is or where its from. Could you please forward necessary documents with the actual account holder info so that I may resolve this issue.
Product: Credit reporting or other personal consumer reports

i can't donnload my annual report or get my score. the only plataform that give info is transunion but is missing my score and report in XXXX bureaus.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted XXXX identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXX
Product: Checking or savings account

Request for Re-investigation and Refund for Fraudulent Activity Claim Number XXXX XXXX To Whom It May Concern : I am writing to file a complaint regarding Wells Fargos handling of my fraud claim. On XX/XX/XXXX, I filed a fraud claim with Wells Fargo under claim number XXXX. Unfortunately, my claim was denied. Following the claim, my account was closed by Wells Fargo, which was explained to be due to my account being marked as high risk due to hacking. 

A fraudulent transaction for {$8800.00} was made from my account on XX/XX/XXXX to XXXX XXXX Bank. I did not authorize this transaction, nor have I ever done business with this company. As per the Electronic Funds Transfer Act, since I reported this fraudulent transaction within 60 days, the bank is required to limit my liability to no more than {$50.00}. 

I am requesting proof that I authorized this transaction, as I strongly believe that I did not. I have notified Wells Fargo multiple times regarding this matter, yet I have not received the funds back. I am asking for a thorough re-investigation and for the funds to be returned to me in the form of a check. 

If Wells Fargo does not properly investigate this claim, I intend to file a lawsuit for failure to comply with the Electronic Funds Transfer Act and failure to protect my account. I have all supporting documents available. 

Thank you for your attention to this urgent matter.
Product: Mortgage

I purchased a Condo in XX/XX/XXXX for {$380000.00}. I received a {$360000.00} mortgage through Wells Fargo Home Mortgage and have been paying {$170.00} per month in private mortgage insurance, XXXX XXXX XXXX XXXX. In XXXX, I requested Wells Fargo provide me information on how I can get rid of the monthly PMI charges. I received the attached letter dated XX/XX/XXXX from Wells Fargo Home Mortgage, Subject : Private mortgage insurance ( PMI ) cancellation requirements. The letter indicated that " To cancel PMI based on the original value, you must reach the required loan-to-value ( LTV ) ratio using XXXX of the options listed below. '' Under Option XXXX, Wells Fargo indicated that I must prove that the original LTV ratio has reached 80 % by having an appraisal done, at my expense, through their vendor, XXXX. In XX/XX/XXXX, XXXX appraised the value of the condo to be {$450000.00} and calculated the new LTV ( {$350000.00} loan principle divided by {$450000.00} current appraised value ) ratio to be 78 %, but Wells Fargo refuses to remove PMI. After following Wells Fargo 's instructions on canceling PMI based on an appraisal showing an increase in the original value of my property, they insist that they will ONLY remove PMI AFTER I provide RECEIPTS showing that I made {$63000.00} in STRUCTURAL improvements, specifically " adding a deck, garage, in-ground pool, fence, in-ground sprinklers, finishing a basement, or remodeling living space '' to the CONDO. Even though Wells Fargo employees agree that owners of Condos can not make these types of structural improvements, they continue to insist that I must show paid {$63000.00} for structural improvements before they will remove PMI. 
They have been dragging their feet on resolving this matter since XXXX XXXX, even after I followed their instructions and proved that the ORIGINAL LTV of the condo has reached 80 % or better, in my case 78 %. They continue to twist and ignore the fact that that I am canceling PMI based on an increase in the " ORIGINAL '' value of the property as they described in their XX/XX/XXXX and NOT based on the " current value and investor requirements. '' I 've learned that XXXX XXXX XXXX XXXX which is listed as the company receiving the additional, unnecessary {$170.00} in PMI funds I am paying on a monthly basis, is affiliated with Wells Fargo, so of course the company wo n't remove the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit bureau do not have my permission to report anything and I have the right to privacy
Product: Checking or savings account

On XX/XX/XXXX, I received a call directly from the Chase phone number regarding a fraudulent charge on the account. They proceeded with steps in order to close account/make a new one/transfer funds from the accounts in order to cease any more fraud.

While on the call, I suspected fraud and called Chase from another number to explain the situation. While on the call they offered no assistance with either closing accounts/stopping transfers/or anything that they could have done in their power in order to stop the funds from being withdrawn.

A wire transfer of {$3100.00} was made to an external account and to this day we have not had any assistance from Chase. I made one final call in XX/XX/XXXX where the customer service rep mentioned that the best solution was for me to contact the scammers and request the funds from them which is ridiculous. To this day we did not received anything in writing from Chase regarding the incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Please remove the items in my credit report that are causing problems with my records. 
Remove the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/2021 ; XXXX XX/XX/2021 ;
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Trans Union and experience have all dropped my score 33 points down by reporting that I have a new bankruptcy but it is the same bankruptcy submit it three years ago I recently received a settlement and the bankruptcy court force me to pay off my creditors and all three credit bureaus will not update the paid off information for each creditor I was forced to pay off and to add to add insult to injury they also dropped my score XXXX  points down stating that it is a new bankruptcy when it is clearly not the case
Product: Credit card or prepaid card

I was searching for a resort in XXXX on XXXX and was diverted. from XXXX to a site called XXXX. I booked a reservation through XXXX for a resort in XXXX for XX/XX/2020. But my flight was cancelled and the borders were closed so I asked XXXX for a refund. Submitted many tickets no response, their phone number is not working. I contacted the resort and resort did not receive any money from XXXX. I found an email for a parent company XXXX. They say their supplier is refusing a refund. There are multiple shell companies involved in this. I am out of {$1500.00}, I am part of a XXXX group of 500 plus consumers scammed by XXXX. One of our members is going to be interviewed by XXXX. I asked for chargeback from my credit card Chase Sapphire Reserve who denied chargeback. I did not receive the service ( resort stay ) so I should be entitle to a chargeback if the company is not responding. Chase has denied chargeback of {$1500.00} twice. Second time they did not even provide a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notice. I sent letters to Equifax, XXXX and XXXX with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.
Product: Credit reporting or other personal consumer reports

Credit Reporting Companies, XXXX XXXX XXXX I have reviewed my credit reports and found that in regards to this account none of you all have it accurate. I have spoken with a supervisor at XXXX XXXX and he agreed to delete this account or update it to never late as it should be. Your willful non compliance with FCRA and FDCPA Laws that requires you to delete this account when there are so many inconsistencies and inaccuracies has severely hurt me and is about to make me and my newborn son homeless! I am begging you all to treat me with respect as a human and just be fair and admit that this account needs to be deleted! Each of you have reporting this account as verified before, both Equifax and XXXX deleted it for a month, then while I had my credit profiles unlocked it seems that you all saw that XXXX still had the account then put it back. 

I am going to list a few of the inaccuracies and show you what each are reporting. 


Equifax and XXXX correctly lists this as an XXXX Account, however XXXX lists it as a Home Improvement account under real estate which is just outrageously wrong. This must be corrected immediately as it is causing serious issues that will leave me and my baby homeless! 

Equifax has the following dates as late, 2022 XXXX ( 60 days ), XXXX ( 90 days ), XXXX ( 120 days ) then XXXX ( 90 days ) This is grossly inaccurate and its impossible to be correct. The previous investigator clearly lied and did not catch this error. This account must be deleted immediately from Equifax. 
There is no date of first delinquency because this account was never late. Again your reporting must make sense and be accurate, if not it must be deleted. You all keep failing so its time to delete. 

XXXX has the following dates as late, 2022 XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to Equifax. There is also no data of first delinquency because this account was never late. The status should be never late, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

XXXX has the following dates as late, 2022 XXXX ( 30 days ) XXXX ( 60 days ) XXXX ( 90 days ) XXXX ( 60 days ). Again this can not be accurate. Do the math. It is also not the same as reporting to Equifax. There is also no data of first delinquency because this account was never late. The status should be never late, The type of loan should be installment like the other two agencies report it, but you all keep getting this wrong and it has impacted my life severely, so please delete it now! 

I have attached documents to show this. Please delete this account quickly this is severely harming my life. The account has been paid off in full and there is no reason for you all to keep this on my profile.
Product: Checking or savings account

I am writing to formally complain about the handling of my Apple Savings account by Goldman Sachs, which has caused significant inconvenience and financial loss. Due to an error by one of their employees, my account was frozen without any notification. This freeze resulted in a failed outbound transaction ( XX/XX/year>, {$5200.00} ), causing my credit card to incur interest fees due to the untimely payment. I have mailed Goldman Sachs all the evidence regarding this issue. Despite this, I have not received a formal response. An associate contacted me, admitted the error was on their end during a recored phone call session, but refused to provide a formal written response. They informed me that providing such evidence is not within their policy. I am seeking your assistance to address this matter. I request that Goldman Sachs provides a formal response to this complaint, reimburses the interest fees incurred, and confirms that measures have been implemented to prevent such errors in the future. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. Sincerely,
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished an alleged transaction on my TransUnion that you identified as late.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know your not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Student loan

I setup auto-debit a while ago, but they didn't use it to take my payment and instead said my payment is late/missing. When I try to contact somebody about it, they say they are recieveing too many calls and can't respond, same via e-mail, chat, and phonecall.
Product: Debt collection

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature from XXXX XXXX XXXX Account Number. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. I am also requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting or other personal consumer reports

The accounts dont belong to me I have been a victim of identity theft and I also filed my FTC report. I contacted the Credit Bureaus. They do not want to remove the accounts off of my credit report. 

Equifax Credit Report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2015 a representative of Citigroup , Inc. advised me that I would receive certain card benefits as part of signing up for a new Citi XXXX. I relied upon these statements made on a recorded line to sign up for the new credit card and paid a {$450.00} fee as required. I was later informed that the benefit would not be provided. The matter was escalated to multiple groups at Citi without a resolution. The escalation path is clearly designed to fatigue the customer in the hope that they give up on their pursuit of their rights. 
It is clear to me that Citi representatives have engaged in a pattern and practice of deceptive behavior during this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account wasnt opened by me and on top of that this account has shown closed on my credit and every month its still attaching a late fee. This company need to properly closed the account and stop charging it every month.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to Chrysler Capital stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.
Product: Vehicle loan or lease

On XX/XX/2022 A check for {$3300.00} was sent for westlake financial to endorse and return to me. I still have not received my money back to get my car fixed. I can never get through to anyone I NEED my money back. Someone lied and said they would over night ship it and even send me an email with a tracking number, yet XXXX still hasnt received it yet and the was days ago. I am paying a car note on a broken vehicle and if they do not return my money I no longer want this car.