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

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi XXXX points in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX Citi XXXX points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. And I opened XXXX CitiGold checking account, which XXXX Citi XXXX points equals {$1600.00}. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi in private messages and XXXX that XXXX of my accounts are linked for the offer of XXXX XXXX points after I fulfilled the requirement. Which is within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

And after I meet the XXXX requirements, my account will be credited with the XXXX XXXX points within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

Between XXXX XXXX, XXXX to XXXX XXXX, XXXX, I have made several internal chats with Citi representatives to confirm my bonus with be posted within 90 days from the last date of the statement cycle in which I meet the requirements. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. An internal investigation was opened. 

On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a XXXX Points promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, XXXX, I appealed this denial, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 


-- -- Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 




THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( XXXX. XXXX XXXX California and Federal Consumer Laws : Legal Guide XXXX FRAUD - XXXX XXXX et seq., XXXX et seq.
Product: Debt collection

On XX/XX/year> a debt collection agency opened an account to collect an amount of {$960.00}
Product: Payday loan, title loan, or personal loan

I borrowed the XXXX and at the time I did not really realize that I was going to ba paying XXXX to borrow XXXX that is a bit excessive. They are taking XXXX every paycheck from my account from XXXX thru XXXX. I have already paid the XXXX plus interest at this time. I think these fees are outrageous and I think that I have paid way more than I should have.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights per 15USC-1681-602-604A SEC 2 : I have a right to privacy thus a consumer report agency can not furnish an account without my written instructions. 
In accordance with 15USC 0 1666B : A creditor may not treat a payment/Credit Card account under and open ended consumer plan as late for any purpose. 

XXXX. XXXX {$3400.00} DATE : XX/XX/XXXX XXXX. SYNCHRONY XXXX XXXX  XXXX  {$1600.00} XX/XX/XXXX XXXX. XXXX XXXX {$430.00}. XX/XX/XXXX XXXXXXXX XXXX. {$3300.00}. XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX {$8400.00}. Charged off {$6700.00} XXXX XX/XX/XXXX XXXX. XXXX. {$98000.00} Charged off XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my checking account in Bank of America received a wire in transfer ( {$6200.00} ) from XXXX XXXX 

On XX/XX/XXXX, Bank of America put a fraud hold on my checking account and I can not get access to all the money I have on my checking account ( over {$80000.00} ). 

After constant and torturing communication with Bank of America ( over 5 hours ' phonecall ), the staff in the wire fraud department from Bank of America told me that it is XXXX XXXX  that put a hold on my checking account and there is nothing they can do. 

The investigation conducted by XXXX Bank could last from 10 business days and 90 business days, during which time no money in my account can be moved. That is absurd because my checking account has over {$80000.00} and the money in that wire-in is only & XXXX. All my money is in that frozen checking account and I can not even buy groceries or uber. 

My request is that Bank of America withdraw the fraudulent hold on my checking account so that I can get access to the rest of my money or part of my money aside from {$6200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Mortgage

This mortgage broker sends unwanted marketing SPAM emails every day : Level 4 Funding LLC XXXX XXXX XXXX, Licensed Mortgage Broker License No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX. 

I have repeatedly requested to be removed from their spam generating system, but they refuse to remove my email address. Can you please help? 

A complaint ( # XXXX ) was submitted on XXXX/XXXX/XXXX, and the broker responded saying, " We have searched all of our databases and contacted all XXXX XXXX XXXX XXXX to double check and make sure XXXXXXXXXXXX is unsubscribed on all current lists. This email address XXXXXXXXXXXX should no longer receive any correspondence from our existing lists and current XXXX XXXX XXXX XXXX. Sincerely XXXX XXXX XXXX XXXX, Broker/RI Level 4 Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ''. 

However, I am still receiving unwanted spam eamils from his company : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX I have records XXXX XXXX XXXX me repeatedly ( several XXXX XXXX day on occasion ) since last year. This didnt just start recently, as he would have you believe. For example, here are XXXX email addresses that were sent to our IT company on XXXX XXXX, XXXX to try to block them as spam on the server : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX I have received numerous unwanted emails XXXX this guy. He continually changes his sending email addresses, so that his junk can not be filtered or stopped. XXXX a sampling of the different email addresses XXXX used to send the unwanted emails : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX Level 4 Funding LLC XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX Please re-open this complaint. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX - office XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I am requesting for these following inquiries to be removed from my credit report : FRAUDULENT INQUIRIES Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX  INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX INquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX INquiry Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have had a couple of hard inquiries on my credit report that was place the beginning of this year and I had no knowledge of it
Product: Mortgage

Homepointfinancial.com is mismanaging escrow accounts. They are not paying taxes or insurance on time. I have received threatening letters from both my local tax office and threats of having my insurance canceled. The mortgage company received all of my payments on time but still did not pay my insurance or taxes on time. At this time, my insurance has not been paid.
Product: Credit card or prepaid card

This credit card account was opened in my name without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a SECURED CREDIT CARD with XXXX XXXX XXXX. 
I Secured this card with a {$200.00} cash Deposit. I used this card sparingly over the next year. Never missing any payments Nor ever being late. I contacted the company in early XXXX, PAID OFF MY ENTIRE BILL, and requested THEY close this account. I never heard anything else from this company until XX/XX/XXXX. At this time I found that somehow I now owed this company {$150.00} over my {$200.00} Security Deposit. This made absolutely no sense. Seeing that I had paid off the entire balance before requesting to close this account. 
So I called them and requested information as to how a paid off account could have a bill of over {$300.00}. ( {$150.00} & {$200.00} Security Deposit ). I was told by the Customer Service Rep that I spoke with, that because the account was never actually closed by the company, the annual fee was still charged against this account. Then because of the annual fee being charged and no payments being made, late fees started occurring. so now between the annual fees and the late fees, I owed this company {$350.00}. 
This is a total TRAVESTY. This company used up my Security Deposit. Next they charged me another {$150.00} in fees on top of that. Then lastly they have the audacity to put me in collections for this {$150.00}. So to keep my credit clear I even pay off the {$150.00}. They still refuse to remove this negative from my credit reports. 
This is predatory practices ' at the lowest. This company never had any intention of refunding my Security Deposit. They understand that I was doing everything possible to repair and keep my credit in good standings. So they prey on the disenfranchised. People who are trying rebuild their credit profiles.
Product: Checking or savings account

Over the previous year, I have received numerous over draft fees that I know are unfair. When my bank account gets low, the balance won't always show accurately and payments will continue to be processed whether there is money in my account or not. I have never had this issue, until banking with navy federal. Any other time a payment is declined, but with Navy Federal, I continue to have payments go though and continue to have over draft fees. I think it's very unfair and for so long I though it was just a " me '' problem, until i realized many others were having this same issue.
Product: Debt collection

XXXX Amount : {$780.00} The company mail me forms to fill out with The Dispute Department I will like for this to be removed and deleted out of my credit report, seeing I never applied for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Wallet stolen and accounts were open with my identity.
Product: Debt collection

I recently reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted documentation to Equifax along with a signed affidavit explaining the inquiries on my report are fraudulent as I have been a victim of identity fraud. Equifax did not investigate properly and did not remove the inquiries. They sent me a letter stated they were verified. This would not be factual and is a violation of my rights to have inquiries investigated and removed from my report due to fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXX SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I asked them repeatedly to stop calling me. To send me a signature of signing up for this service. They did not so I refused to pay.

Also I never gave anyone permission to contact me or harass me from any collection agency.

15 USC 1692c specifies that a debt collector may not communicate with any person other than the consumer, his attorney, a consumer reporting agency, the creditor, or the attorney of the creditor, in connection with the collection of any debt, without the prior consent of the consumer or express permission of a courtXXXX.
Product: Checking or savings account

On XX/XX/2021 I had load XXXX different deposits of XXXX each. I made my reinstatement fee of XXXX dollars payment to XXXX XXXX online. I got a confirmation payment was successful. XXXX weeks go by and I get a letter from XXXX for a notice of a dishonored check in the amount of XXXX dollars. Chime said on XX/XX/XXXX when they went to debt my account the money wasn't made available them. But on the XXXX the money was deducted from my account but yet chime never paid the payment. There's no record any more on chime. But I have an online receipt proving I made the payment the XXXX. Chime has refused to make it right and said they did nothing wrong. They robbed me for XXXX dollars and I still ca n't drive and have gotten numerous tickets for driving without a license when I paid it off. It has ruined my life not being able to drive. All these legal problems are overwhelming and extremely depressing. I just want my life back and reincompensated for everything chime has caused me.
Product: Credit reporting or other personal consumer reports

So, I had debt with Sunbit XXXX XXXX for a total of {$69.00} past due, I have tried many of times to reach an agreement with their customer service team only for me to be told they do not handle this matter. I understand I was the one at fault here and I have no one to blame but myself, but their has to be some kind of resolution here. I need help and I am asking for a one time forgiveness to my credit files
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX An authorized amount of {$3300.00} was sent to someone through XXXX under Bank of America. 
Multiple attempts were issued to this XXXX  account without Bank of America notifying me through text to send a code to authorize transaction. When I noticed money gone in my account I called Bank of America and filed a claim. They just rejected my claim and I reopened it because I did not authorize this XXXX 

Bank of America stated that they did not send me an authorization code to my cell phone number nor email- how was this transaction even done without me authorizing? Usually to a new person the bank sends an authorization code to confirm. 

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

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have already filed a complaint # XXXX XXXXI noticed under, on my complaint your contact information it says XXXX XXXX XXXX That's not me. Don't know how the wrong information got there. My contact info is XXXX XXXX XXXX. Contact Phone XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccuracies on my credit reports with XXXX and XXXX, caused by the actions of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Cherry  XXXX. These inaccuracies are severely damaging my creditworthiness and reflect violations of federal consumer financial laws, including the Fair Credit Reporting Act ( FCRA ). The following details describe the harm caused : XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX continues to report a charged-off account with a balance of {$5100.00} and a credit limit of {$5000.00}, despite being legally inactive in Texas. 
Public records from the Texas Secretary of State and Comptroller confirm that XXXX XXXX XXXX is not authorized to conduct business in Texas, invalidating their ability to report on accounts tied to Texas residents. 
XXXX failed to investigate my formal dispute and continues to publish this inaccurate and unlawful information. 
XXXX Report - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported a charged-off account with a balance of {$43000.00}, despite multiple discrepancies, including : A Last Payment Made date of XX/XX/year>, which conflicts with their reporting of {$0.00} payment received. 
Contradictory terms and charge-off dates that do not match actual account details. 
Despite formal disputes, XXXX has failed to reasonably investigate or remove these inaccuracies. 
XXXX Report - XXXX XXXX XXXX XXXX XXXX similarly reports inaccuracies for this account, including conflicting charge-off statuses, inaccurate payment histories, and contradictory balances. 
Despite my disputes, XXXX has failed to take corrective action. 
XXXX Report - Cherry XXXX Cherry XXXX reports adverse information related to an account that is not mine and is potentially tied to trafficking-related circumstances. 
Despite providing supporting documentation, XXXX has not removed this inaccurate information from my report. 
Actions Taken by Me : I submitted disputes to XXXX and XXXX for the inaccuracies related to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Cherry XXXX. 
I provided supporting documentation, including proof of XXXX XXXX XXXX inactive status in Texas, documentation of my payment history with XXXX, and evidence of my status as a victim of trafficking. 
Despite these efforts, the inaccuracies remain unresolved, and the credit reporting agencies and furnishers continue to publish misleading and damaging information.