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

On XX/XX/XXXX I signed up for the Citibank Account Package $  XXXX {$100.00} promotion in XXXX that required me to deposit $ XXXX in new funds into the eligible savings/checking accounts and keep it there for 60 days. At the same time, i opened a Citi Accelerate savings account. All three accounts were linked together in my online account. After I opened the accounts, I chatted with Citi customer service to verify the terms of the promo and asked if it would qualify for the promo if I deposit the required $ XXXX in the Accelerate account and they said yes. And I reconfirmed and they said yes again. Fast forward to XX/XX/XXXX, I called Citi to make sure I was going to be receiving my promo payment soon and they told me that I didn't qualify because the funds were held in the CIti Accelerate account instead of the other 2 accounts, a direct contradiction of the previous communication I had with Citi customer service to clarify the terms of the promo. I asked to speak to a supervisor who acknowledge the first customer service agent told me incorrect information, but that he would not stand behind what I had been told. I have deposited a significant sum of money with Citi, on the false pretense I would receive the {$500.00} bonus.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

There is unauthorized items on my credit report I need removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online.

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report.

Please make them abide by Federal law. 

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

ON XX/XX/2022 I EMAILED THIS COMPANY AND ATTEMPTED TO CALL THEM. I SENT THEM AN EMAIL INFORMING THEM NOT TO SELL TRADE OR USE ANY OF MY INFORMATION THAT THEY OBTAIN FROM ANY COURT. THIS COMPANY USED MY PERSONAL INFORMATION FOR PROFIT AND IS CAUSING MY CREDIT RATING TO DECREASE MAJORLY. THIS COMPANY PROVIDED MY INFORMATION TO TRANSUNION WITHOUT CONSENT. TRANSUNION PREVIOUSLY DELETED THE INFORMATION BUT HAS SINCE REINSERTED IT. I DO NOT ALLOW XXXX, XXXX XXXX XXXX, OR ANY OF ITS AFFILIATES TO SELL TRADE, OR USE MY INFORMATION FOR PROFIT. I CONTACTED THE UNITED STATES BANKRUPTCY COURT AND WAS TOLD THEY DO NOT SELL OR TRADE INFORMATION FOR-PROFIT TO ANYONE ABOUT ANYONE. I CONTACTED TRANSUNION AND XXXX. TRANSUNION AND XXXX ARE BUSINESS PARTNERS
Product: Debt collection

I never received any information about the company obtaining my information and debt. I never authorized the previous company to give my information to said company. I called the company and they informed me that they had acquired my debt, and that they had send me paperwork the previous year to which I said that I had not received anything. They informed me that they will send me all they had.

Said company did not said anything that they claimed to have sent home. I actually learned about the acquired debt through a lawyer that contacted me through mail.

As I mentioned before I never authorized any company to give my information away and again I didnt have knowledge of this company obtaining my debt before getting contacted by a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX XXXX to TransUnion Here is my Certified mail Tracking Number : # XXXX However the Credit Bureau said they Completed the Investigation and everything was 100 % accurate. I have a update credit report with inaccuracies still. 

According to the law 15 U.S. Code 1681a -Definition The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general, reputation, personal characteristics, or mode of living obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to.And how did they complete this investigation. 

I am aware of all rights that I have, and which are protected by The Congress under The Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.15 U.S.C 1681 Section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
Accounts Name and Number : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX
Product: Credit card

The Local XXXX store # XXXX charged me for the brakes service and brake installation on XX/XX/2024 on my vehicle to my debit card to pay in full for that and an oil change. At that time the store clerk told me I could get an interest free loan for all the work on my truck, they thought, I needed ( XXXX worth of SERVICE and Parts ) if I filled out an online XXXX credit application. 
The company application is one name, westcreekfin.com, and the " lease '' whihc is a high interest line of credit, is by another name Koalafi.com. I receive a partial credit to my debit card upon applying for three days of calls and solicitation from Koalifi. On XX/XX/XXXX I received the approval and loan terms which are monthly compounding interest of 200 % or more and prepayment penalty. Since then, I have been trying to get local and state govt involved to help me pay off the amount I allowed to be credited to my bank without the huge prepayment penalty and huge amount of interest and fees. 
they sent me an email from XXXX and XXXX and a phone number XXXX in order to explain why they call this a lease- still not a lease by any legal terminology, and how they justify their illegal trade and collection practices as well as the predatory lending.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 u.s.c 1681 section 602 a the right to privacy act united states 15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my 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. 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, 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 consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XX/XX/2020 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Re : Request for Assistance in Removing Identity Theft Accounts from Experian Credit Report I am writing to formally request your assistance in resolving an issue with Experian, one of the major credit reporting agencies, regarding the removal of accounts from my credit report that are a result of identity theft. Despite my compliance with all required procedures and provision of necessary documentation, Experian has failed to remove these fraudulent accounts as mandated by the Fair Credit Reporting Act ( FCRA ). 

According to Section 605B of the FCRA, 15 U.S.C. 1681c-2, a consumer reporting agency is required to block the reporting of information in a consumer 's file that is identified as resulting from identity theft, not later than 4 business days after receipt of : Appropriate proof of the consumers identity ; A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information is not related to any transaction by the consumer. 
I have submitted all the required documentation to Experian, including : A copy of my drivers license to establish my identity. 
A recent gas bill to confirm my residency. 
Reports from the Federal Trade Commission ( FTC ) indicating that the disputed accounts are a result of identity theft. 
Despite these submissions, Experian has not complied with the legal requirement to block the fraudulent information from my credit report. The specific accounts that need to be removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Financial Assistance I have made multiple attempts to resolve this matter directly with Experian without success. I am requesting your intervention to ensure that these accounts are removed from my credit report in accordance with the FCRA. 

I appreciate your prompt attention to this matter and look forward to your assistance in facilitating the removal of these fraudulent accounts from my credit report. 

Thank you for your time and consideration.
Product: Debt collection

My mom was my payee, she called to make a payment ( I was there ) the man she was talking to Said I wasnt in there system. We repeatedly told him my name and kept saying I was not in the system. My mother says well if shes not in the system then who are we sending the money too? He said he did not know. Them mom said then I guess we not pay u because shes not in your system. And that was it. I was NOT in there system as they kept saying.
Product: Money transfer, virtual currency, or money service

I went to the ATM that chime provided to use on XX/XX/XXXX at XXXX. I tried to withdraw {$300.00} and the money never dispensed. I told the cashier at XXXX located at XXXX XXXX XXXX XXXX in XXXX XXXX  NC XXXX. She proceeded to tell me that the company that comes to get money out of ATM just fixed the machine because it was having problems before. She then proceeded to tell me to contact the number on the bottom of the ATM which I did which they in turn told me to call the number on the back of my bank card. When contacting chime they told me that the ATM machine would have to reset itself and see that no money was withdrawn and my money will be returned. I then received a email that stated that there was no error found and they will not be returning my money. The XXXX store has cameras facing the desk and the ATM which sees that I did not receive any money. Now I am out of my money and they still will not return my money or send me footage of who took my money.
Product: Checking or savings account

I bought a car radio on XX/XX/2020. I was told I was going to get a call when the part comes in to the shop. I did not receive a call in over two weeks. So I call the shop back and was told the part was in and to bring my vehicle in to get service. I was not able to bring the vehicle in two and half weeks after purchasing the product which I did not receive due to vacation and quarantine issues. In the meantime I travel back home to XXXX, Ga. Thereafter I called the merchant back to request for a refund in which the guy who service me stated I could dispute it with my bank. Four weeks later I called the merchant again and was told the guy who service me was fired and no longer working at the shop due o other unrelated issues.I notified the shop that I needed a refund in which he stated the refund will be issued by my bank. As of today I have not received a refund for the full payment of {$730.00}. The owner of the shop stated to me he is not certain if I received service or the product. In the meantime I received a letter from my bank stating MasterCard stated the product was shipped to me but the merchant never supplied a shipment receipt of the product. I rebuttal the decision with my bank in which I was told I could contact CFPB to assist with this matter since the merchant is not responding. I also made a complaint with the XXXX  in which the merchant never responded back neither complaint # XXXX.
Product: Vehicle loan or lease

This is a follow up to XXXX I have not received billing notifications online or through the US mail. After my previous complaint I received a notification for the following month. I received no further notifications. 
I still do not know if this is the result of simple incompetence or a scheme to collect additional fees. It appears the only way I can receive the promised billing notifications is to file a complaint.
Product: Credit card or prepaid card

I called in to dispute a charge XXXX XXXX XXXX XXXX keep charging after I canceled then in XXXX of this year. .The rude customer service agent kept asking me to verify who I and my son was. The more I verified The more she went on to the point of hassasment. Her Supervisor was more ignorant and rude then she was telling me they will call back XXXX Hours. After I verified my name DOB expiration on my DL, My Email address, Whats the year and make of my new 2022 XXXX XXXX and she just wouldn't stop, so I put a stop to it. I'm XXXX XXXX XXXX with many credits issue Cards and never been hassas like this.My son takes care of all my business and they seemed to had a problem with how I or he handled mine business. This must be investigated for Elder abuse.. 
My Insurance company is part of these unprofessional US Bank State Farm. I'm lodging a complaint with corporate also about how customers are treated. You can't even redeem rewards points on the site.
Product: Credit card or prepaid card

I have been a member of USAA for at least 10 years and have had a credit card through them for some time. The primary reason I have this credit card is to take advantage of their rewards and 0 % transfer deals they offer from time to time. Apparently they don't like this as they have caused me a few heart aches with their dirty little business XXXX. they like to pull from time to time. For example, I used the card and took advantage of a balance transfer deal they offered in XX/XX/22, then in XX/XX/22 I noticed there was a charge of {$100.00} posted to my account that I didn't make. I called their customer service line to dispute this charge. As you probably know, when you do these transfer deals the credit card company 's that offer them always have some conveluted/confusing system of applying payments especially when you charge things above and beyond the balance transfer- in other words when you do these dont charge anything until the balance of the balance transfer is paid off. The way I was treated when this dispute was brought up was telling, they gave me a run around didn't want to credit etc ... after much hassel I finally got the credit and all was good, but not without a lot of hassel from USAA. So, fast forward a few months and now these corporate XXXX  want me to provide information when I log into my account on line that was provided when I opened the account and I have not responded. They have now restricted my on-line capability pretty much nothing because of my not responding. I have never missed a payment nor gone over my credit limit or anything like that they are simply flexing their muscles to make my life miserable because I take full advantage of their rewards and balance transfer offers- they are nothing but corporate XXXX.
Product: Credit reporting or other personal consumer reports

My credit information is being used incorrectly and without my authorization by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), which mandates that only individuals or entities with a legitimate purpose can access and handle my credit history, I believe the bureaus have violated my rights by maintaining or distributing information without my explicit consent. I request an investigation into the misuse of my data and ask that my information be safeguarded in accordance with the applicable regulations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent experian and transunion and equifax my FTC report and ID. i have fraudulent accounts reporting on my consumer report.
Product: Credit reporting

Date XXXX/XXXX/XXXX Creditor XXXX sent account number XXXX paid in full documents to XXXX and XXXX-As of Date XXXX/XXXX/XXXX this bill has not been removed from my credit files/reports.
Product: Checking or savings account

I came into Chase Bank, I wanted to open a savings account and this employee informed me she NEEDED to run my credit to see IF I qualify for a saving account. she asked me for my social security and she said it was going to appear as a hard inquiry. I told her i wasn't requesting a credit card and there was no reason to run my credit. She was absolutely rude and belittling. After I informed her I work at a bank and I know there is no need to run or do a hard inquiry on my credit to simply open a savings account she proceeded to try and do the account anyway running my credit. I asked her not to and to return my id and social security card. I am unsure if she did open a saving or credit card without my consent. 
Bank address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, employee name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

CFPB, MIDLAND XXXX XXXX XXXX IS IN VIOLATION OF RULES, REGULATIONS THAT THE ( IRS ) HAS SET IN PLACE ABOUT CHARGE OFF ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX