23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citi Bank in particular their XXXX XXXX XXXX credit card is sending out letters in the mail offering a preapproval link to a promotional offer. 

The promotional offer- is offering XXXX XXXXXXXX miles as well as 0 % APR for 12 months. 
The letter that arrived in the mail has my name and this promotional offer, they are doing this with many people as my neighbors also received this letter. 

The letter has a QR code leading to the preapproved link. 
Upon approval the XXXX miles are available but no signs of the offer for 0 % APR for the 12 months as promised. 

Now i have made multiple attempts to talk to Citi Bank and explain their fault. I have now given up. as Citi bank continues to deny that this is a promotional offer they are running. Even turned to ask me for a physical copy of this letter i received. I submitted the evidence they asked to their records. only to get told once again that this is insufficient evidence. They have ran my credit report once again, which is now affected even more. I have not made payments as this is a violation fo their original promotional offer. My credit report is now extremely affected. I cant find any other solution than to submit a formal complaint. I wish to pay off my debt to Citi, but only if they uphold their promotional offer. other wise this is a very scam like tactic by Citi bank to draw in people to apply for a " promo '' offer to then get stuck with a ridiculous 29.99 % APR.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for an american express platinum personal card and got approved with very clear promotion offer of 150000 points with spending {$6000.00} in the first several months. 

So I got the card and they charged me {$690.00} annual fee almost instantly. In the next few months I spent more than {$6000.00} and never see those points showing up in my account. So I chatted with a representative and a " supervisor '' about the situation. They told me even my application was approved, but not showing with that offer in their system. But I clearly saw that offer, otherwise there was no point for me as a school teacher to apply for this card, which is my first ever amex platinum card in my life. They said they might be a term during my application process saying that they have the power to decline whatever offer they ad for. That is scamming for consumers then. 

This where I found the offer : https : XXXX? XXXX # commentsBox I requested they refund my annual fee or deposit my points, but the " supervisor '' refused to do either. I feel very helpless. This kind of practice is completely unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there was a fraudulent hard inquiry and account opened by XXXX XXXX. They were immediately notified of the fraud and instructed to close the account and to remove the inquiry. I was told that it takes 90 days to remove the inquiry. It has been longer than 90 days and XXXX XXXX, Transunion nor XXXX still will not remove the fraudulent inquiry.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$46000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I moved to XXXX XXXX, GA in XXXX XXXX. I had XXXX as my mobile service provider. I rented a home at xxx XXXX XXXX, XXXX, GA ; a location not serviceable by XXXX. After XXXX Corporate confirmed this lack of coverage they were willing by their policy to cancel my account.I paid the account in full for service used to date of cancellation. They also asked that I give them my new I-phone as part of their cancellation while still under contract. It was not their phone, acquired elsewhere, but I turned it in. I began service with my family through XXXX XXXX whose service reached my XXXX address. A few months later and to my surprise I received a bill from XXXX for XXXX. Upon inquiry I am told the bill was for " breach of contract '' because I did not turn in the other XXXX phones we had, very old and outdated phones. I went back several times to XXXX service dealer who told me to disregard and had spoken to Corporate. This is same office location in XXXX where I cancelled the XXXX service confirming we lived outside coverage area. 

I ignored the bill waiting for a letter of correction. I then received a call from a collection company demanding the amount of XXXX. I explained that this amount is NOT for cellular service not paid, but penalty charges for not giving them my other phones beyond my I-phone I gave them. He then got on the phone with XXXX Corporate after telling me this should not be sent to collections, and that this is not a valid bill. I received a call from Corporate office ( its now XX/XX/XXXX ) and told the account would be closed and XXXX out with their apology as NO ONE asked for my other phones beyond my phone back in XXXX XXXX, and I also only received XXXX return box. 

By XX/XX/XXXX I stopped hearing from XXXX altogether. I had not received ANY written communication to my knowledge since. However, a recent credit report shows me in " collection '' for XXXX with a new debt collector company. I filed a dispute with XXXX XXXX but amounted to nothing beyond showing the amount is in dispute by me, consumer.
Product: Credit reporting

My brother and I have the same first name and last name with different middle names. We have different birthday and social security numbers so we did n't expect the report to be mixed up. This can create some issues. For example, my brother just got a car loan but it 's not my car loan. When I wanted to ask for credit report, they asked me if I have a car loan which I do n't have but they said the identity test failed. It 's really stupid because they could have checked that the middle name, date of birth, and SSN are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I closed XXXX account XXXX when XXXX refused to remove a {$27.00} late charge on a {$42.00} bill for a 28-year customer. I asked XXXX to send me a final bill, which they did not. Instead, unbeknownst to me, XXXX kept my online account open and kept posting bills and bogus late fees to it. When XXXX finally contacted me directly on XX/XX/XXXX, I promptly paid the {$52.00} bill and XXXX waived all the bogus late fees. XXXX, Experian, and XXXX refuse to remove the transactions from XX/XX/XXXX to XX/XX/XXXX even though they are the bogus late fees that even XXXX removed. This has taken my credit score from XXXX in XX/XX/XXXX to XXXX today ( XX/XX/XXXX ). I have already been denied one credit card based on these bogus charges. Basically, I had no notice of the bogus late fees from XX/XX/XXXX to XX/XX/XXXX. The dispute numbers with XXXX, Experian, and XXXX  are XXXX XXXX XXXX, XXXX, and XXXX, respectively. Attached is the XX/XX/XXXX XXXX statement, posted to my online account after I closed my account in XXXX, showing the final {$52.00} bill and my FICO score of XXXX. I was unaware of this bill until XXXX called me on XX/XX/XXXX, reasonably thinking that my online account was closed along with my credit card in XXXX. Also attached is the current XXXX statement showing that XXXX waived all late fees and my current FICO score of XXXX. Note the mistaken {$0.00} that XXXX refunded my account in XXXX and then charged back in XXXX showing how dangerous leaving this account open is to consumers. XXXX, Experian, and XXXXx dispute results are additionally attached.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I went to XXXX XXXX XXXX XXXX to purchase a vehicle and submitted an application for an auto loan with XXXX XXXX  XXXX. On XX/XX/XXXX I went back to XXXX XXXX XXXX XXXX and traded my vehicle and resubmitted a new application to XXXX XXXX  XXXX. On both days over XXXX inquires reflect on my credit report which were not authorized by me. Only loan application I approved for submission was for XXXX XXXX  XXXX. 

Attached you will find contract off second purchase showing XXXX XXXX  XXXX was lender in 1st purchase and 2nd purchase
Product: Money transfer, virtual currency, or money service

I Initiated a wire transfer with XXXX through the owner of the site, Coinbase INC on XX/XX/XXXX. The wire transfer was in the amount of {$2000.00}. XXXX promised the money would be available same day as showin in the screen shot attached. I have yet to receive the money in my XXXX USD Wallet where it was to be deposited. I submitted a case to their support department through XXXX  explaining the issue on XX/XX/XXXX. The case number is XXXX. I have yet to receive a reply. I got confirmation from the bank that same day the funds have been received by the receiving bank XXXX XXXX XXXX XXXX, NY which I believe also holds some responsibility and should be notified. I also sent an esclation ticket for the wire transfer at this site XXXX XXXX  XXXX either XX/XX/XXXX or XX/XX/XXXX and have yet to receive a reply. I have been very patient in waiting going on almost 2 weeks now for a wire transfer that was suppose to be done the same day. This has been plenty of time for any kind of delay or additional handling this process may have needed for whatever reason. I feel like my money has been stolen now.
Product: Vehicle loan or lease

This complaint is against my previous vehicle creditor, Ally Financial ( further Ally ). 

XXXX XX/XX/XXXX, I have refinanced my vehicle loan from Ally to the new creditor, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
- The payoff quote from Ally valid for the next 10 days, was provided to me on XX/XX/XXXX, for the amount of {$32000.00}. 
- The check for the above stated amount was sent by XXXX to Ally on XX/XX/XXXX, via XXXX overnight delivery - On XX/XX/XXXX, I received a letter from XXXX notifying that the vehicle title was not received, and I have 90 days to provide it, or otherwise my loan becomes unsecured loan- I checked and Ally account and was surprised to learn that I have the unpaid balance of {$1500.00} with Ally, and that payment was not due until the end date of the contract. I assumed that Ally made mistake in the initial payoff quote and proceeded with paying the remaining amount on XX/XX/XXXX. I should note that this has created financial hurdle and stress for me and my family, as this was additional amount to pay on top of my regular pays with the new creditor. 
- On XX/XX/XXXX, I received a letter from Ally confirming that my loan has been paid off, and if I am eligible for any refund, I will receive it within 60 days. Before that, on the phone, Ally has confirmed that the title was to be released on that date. 
- XXXX has contacted me by phone after that again asking when the title will be received. I shared the Ally 's phone number with them. They contacted Ally, and received confirmation that the title was released. I have e-mail from XXXX confirming this discussion. 
- On XX/XX/XXXX, I received a deposit from Ally for the amount of {$1500.00}, with the title " ALLY PAY Final Credit ''. I assumed that this was due to the initial perceived mistake with the payoff quote and consequential overcharging. 
- On XX/XX/XXXX, XXXX e-mailed me. They contacted Ally since the title was not received, and Ally informed them that my previous payment of remaining balance of {$1500.00} ( that was successfully processed earlier, and then returned to me as a " final credit '' ), was rejected and still due, but this time with the additional charge. 
- On XX/XX/XXXX, I called Ally ( the call was recorded at XXXXXXXX XXXX ) to seek clarification, and they told me that my payment was rejected, and now i also have late charge fee of {$77.00} dollars, which was again another surprise. I have clarified that I have paid off the loan and received confirmation, and that the remaining amount I paid was sent back to me as " final credit ''. I was out on hold several times, and then my call was just dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX  DEPT  OF ED/NAVIENT XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, which must be rectified without delay. I have been XXXX since XXXX and only recently returned to the United States, where I discovered these unauthorized entries on my credit report. 

Below are the details of the fraudulent accounts : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX It is evident from my credit history that I have maintained a responsible financial record, with all closed accounts being paid on time and no instances of delinquency or misconduct. Given this context, the presence of these fraudulent accounts is not only unwarranted but also severely damaging to my creditworthiness. 

As per consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy and integrity of the information reported on my credit file. The inclusion of fraudulent accounts violates my rights under this legislation, and I demand their immediate removal. 

I hereby request that you initiate an investigation into these fraudulent accounts and take prompt action to remove them from my credit report within XXXX business days. Failure to comply with this request will leave me with no alternative but to pursue pre-arbitration proceedings. Please be advised that I will seek reimbursement for any expenses incurred as a result of your non-compliance. 

I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the inaccuracies on my credit report. Should you require any further information or documentation from my end, please do not hesitate to contact me at the earliest convenience. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I have two separate banks one is PNC and the other is XXXX I use PNC for bill paying and normal deposits. I use XXXX for my work as an XXXX XXXX. I was trying to link my PNC account to it that way I could transfer money between the two and cit out some of the extra fees, I was also trying to create an account with XXXX the stock buying app. PNC would not allow the linked accounts. XXXX gave a message to contact the CFPB however I contacted PNC first to see of they could help. It was through there app not the phone. The person said it was not there problem I told them what was going on and the message that XXXX gave me. They said they don't know what to tell me and they have never heard of the CFPB. Then they ended the message. Unlike other times when I messaged them for something these messages were deleted after the call ended. My previous messages are still up as well as the survey I took after this incident. I should be able to transfer money from my own account when I want to. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted the credit reporting agency to dispute an account which can back as verified on XX/XX/XXXX. I received a letter directly from the furnisher ( National Credit Adjusters ) of this information dated XX/XX/XXXX stating they were ceasing collection efforts. On XX/XX/XXXX I challenged the validity of their investigation and even included the letter from the creditor as proof that the account needed to be removed from my file. Instead of removing it, the credit reporting agency still claimed the account was verified by the creditor on XXXX. Clearly they are not actually investigating the accounts because otherwise they would have known that National Credit Adjusters were no longer collecting on this account.
Product: Credit reporting or other personal consumer reports

I did not consent the following inquires to be done. I applied for a car loan at a dealership and my application was submitted to multiple banks without my permission. Please see below the following inquires by company name, and reporting agencies. Please remove these inquires. 

XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXXXXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

I checked my credit report on XXXX XXXX  and have a new collection for 4 {$4000.00} from a collection agency named consumer adj Co on behalf of XXXX. While I took out a pay day advance loan from XXXX in the past, it was paid and for about {$300.00}. There is no way I owe then {$4000.00} and this made my credit go down XXXX points.