23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Citibank advertises a Citi Diamond Preferred Credit Card that offeres 21 months of 0 % interest on Balance Transfers. I believe this program should be considered " Bait and Switch '' and/or a fraudulent offer. 


I've had several credit card and checking accounts with Citibank over the last 20 years, all used with complete compliance with their borrowing and paymet terms and conditions. I also maintain credit and checking accounts with several other major U.S banks including Citi, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc . I also have checking/moneymarket accounts with XXXX XXXX and XXXX. Finally, I'm an XXXX XXXX XXXX  XXXX XXXX. All of which is to say that I'm extremely well educated in the application, underwriting analysis, and offering of credit products to U.S. consumers. 


With this particular Citibank offer the application, credit analysis, and loan amount offer are all made via Citi 's automated marketing and application systems with no information provided to the consumer on how, why, or how much the actual loan offer will be until the automated system completes the decision and issues a credit card. In my case, and from what I've read on the internet about several other consumers that applied for this program, the offers this program makes are all under for amounts of less than {$5000.00}. When doing a balance transfer offer, a consumer is typically doing it to lower their interest rate on the full balance of another line of credit in order to have more if not all of their montly payments go toward principal reduction rather than the interest earnings of the bank they're transferrig the balance to. 

When I recieved a credit line offer of only {$3000.00} with 0 % interest for 21 months, I called Citibank and explained that I had much more significant credit line availability with all the other banks I work with but those banks only made offers for 12 to 18 month periods of 0 %, so I applied to the Citibank program because of it's 21 month 0 % period. Citibank 's customer service representative and manager 's response ( whcih is on a recorded line at Citibank ) was that there was no one at all, " not even the CEO of Citibank '', that could re-evaluate the amount of the offer the automated system made to me, and that regardless of what a human underwriter might determine, the program does not allow for a credit line increase greater than the one the automated system generated until 6 months later. So essentially, even if my credit profile would justify a credit line far in excess of the one provided by their marketing/application system, that amount of credit would not be available until 6 months after the " 21 month at 0 % '' offer started, thus making a higher offer of 0 % credit only available for 15 months. ( strangely, even my current Citi Costco Card has a credit line of {$11000.00}!! ). 

Based on this, I believe Citibank 's 21 % balance transfer offer should be consiedered " Bait and Switch '' at a minimum, if not completely fraudulent because of the tiny amount of credit it has pre-programmed it's automated markeitng system to offer.
Product: Credit reporting or other personal consumer reports

The paperwork I submitted before was not sufficient for them to remove this fraudulent account, so I updated everything : XXXX forms of ID, Police report, Affidavit & Dispute letter. this should suffice & removed this fraudulent from my credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX please do not deny XXXX  complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX by XXXX. The stuff on XXXX XXXX report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of XXXX  reports I never gave XXXX XXXX consent to report anything on XXXX XXXX reports no consent is fraud.
Product: Checking or savings account

On XX/XX/year> someone hacked into my XXXX XXXX account and made a payment of {$800.00}. The next day, someone made a purchase of {$150.00}. I noticed the fraud and contacted XXXX. XXXX had already cancelled the order because of suspected fraud. I was advised to contact my bank so they can return the fraudulent {$800.00} payment. I have never paid XXXX  {$800.00} because I don't have that kind of money to pay them that much. I went to the bank in person on XX/XX/year> and XX/XX/year> to show proof of fraud. The XXXX XXXX in the XXXXXXXX XXXX  location on XX/XX/year> said to wait until they need proof. I explained the situation to her. The second in person visit was in the XXXXXXXX XXXX location on XX/XX/year>. I signed an affidavit and explained the fraud incident to him. I had a letter from XXXX and emails showing the fraudulent order and cancellation. He said to call him on Tuesday since Monday, XX/XX/year>, was a holiday. He said most times they return the payment in XXXX days, but since its a holiday on Monday, they will complete it on Tuesday, XX/XX/year>. I called customer service a few minutes ago and was advised that the XXXXXXXX XXXX  banker gave me wrong information. She said I must wait XXXX business days for them to investigate. What do you need to investigate??????? I have proof of fraud and that I did not make this payment. Why must fraud victims wait so long to restore their accounts? My account has been negative all week due to this. I must wait another week for them to investigate. What in the world is going on here???? I cant even buy a XXXX XXXX XXXX. I have been so XXXX XXXX XXXX, and extremely upset over this. I won't even talk to my family right now. If my account is negative, let it be by my own doing, not by someone elses fraud. Overdraft fees keep hitting my account because of this. Soon, I wont be able to get out of the negative. I don't know who this person is and no one from XXXX I will be closing my daughters account tomorrow and will be closing mine as soon as this payment is returned. I have attached emails from XXXX XXXX
Product: Debt collection

Synchrony bank has called me 10 times in a seven day period. Beginning on XX/XX/XXXX through XX/XX/XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A check was cashed using a mobile deposit into a sole and private account that had two names on the front of the check. Two names that states jane doe AND john doe. The check required two signatures to be cashed as it was made out to two people. The depos was made and put into the a single account not a joint account with only one endorsement on the back of the check. The other party did not receive half of the funds.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action.

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter.

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being.

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Credit card or prepaid card

This is the worst company they find ways to make you late to charge fees and ruin your credit. I had XXXX but I contacted company and they assured me that they will work out a payment arrangement to avoid me from being late. They lied they then said I could establish a automatic pay out of my checking account to avoid late fees and late report. I want to close this account but don't want this bad history on my credit report. This is the only card that I have that are very misleading to their customers. I just don't want this visa card anymore because this is the worst credit card to have.
Product: Debt collection

I have repeatedly told this company to stop calling and today XX/XX/30 they called I asked them again to stop calling me and they called back 1 minute later. They do this often even though I have demanded they stop.Firstsource is the name of the company
Product: Credit reporting or other personal consumer reports

Tranaunion i have no idea ofnthese inquries i did XXXX inqury with XXXX XXXX the XXXX or XXXX XXXX financial.runs my credit regularly on a ac out that is offset and actually a repo that they will not report because it's against the law how they took it they are running my credit illegally XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied or gave anyone authorization to run my credit this is fraud I sent this in XXXX weeks ago and told to wait XXXX days when there is fraud report on.my credit It's fraud please delete these inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Why XXXX put this negative information on my account. My credit score is low now but I dont know anything about these accounts. I believe someone used my personal information and applied for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every XXXX of the month I pay my self credit card balance off and self lender is reporting the wrong amount balance and its ruining my credit score they also reporting wrong information, I contacted them several times over and over to fix it and look into the error but they havent done anything about it
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$400.00} 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

On the date of XX/XX/2022 I paid the remaining balance of my debt to World Omni Finance XXXX Southeast Toyota finance and as of today which has been more than 45 days from the day that I have paid the debt that was supposed to be removed off my consumer report. however, it is still showing on my XXXX, XXXX, and XXXX report. Ive reached out to world XXXX XXXX to see if they could expedite the process, but they expressed that they couldnt do anything.
Product: Mortgage

I received a XX/XX/20 Bank of America Escrow Account Disclosure Statement giving me payment options. I issued a {$480.00} check for the escrow account shortfall which wasn't received on time of their required date. I've called several times including today to inquire where/how that extra money was applied to my account. Bank of  America doesn't answer their Customer Service Line XXXX phone number. I've stayed on hold waiting for a person an entire work day. They suggest going on line to get questions answered. I do not have an online account created. Their website doesn't allow for a new account unless you want to buy or refinance a house. They do not allow for general online questioning using the account number either. They have totally isolated themselves from communicating with the individual unless you are going to purchase their services. I still want my question answered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, whose address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX wrongfully reported to all three credit reporting bureaus that my credit card account with a last digit # XXXX is late and past due for the months XXXX and XXXX of XXXX. As a result of this clerical mistake my XXXX XXXX went down XXXX points, from XXXX to XXXX, and I lost access to a wide array of financial products previously available to me. 
All payments on this credit card have been made and sent by me to XXXX XXXX XXXX in time. 
In good faith I disputed this issue multiple times with all three credit bureaus asking them to remove erroneous information in my credit file submitted by XXXX XXXX XXXX 
Despite those attempts, erroneous negative information stayed in all my credit reports. 
I also sent a letter to XXXX XXXX XXXX explaining the situation and asking them to remove erroneous negative information from credit bureaus. I have never received any answer from XXXX XXXX XXXX 
I have excellent credit and have never been late with any of my payments. Here I am, respectfully asking CFPB to take into consideration all the matters mentioned above and care for a full investigation. Thank you.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to check my credit profile with TransUnion credit bureau. 

Also they is a late payment reported from XXXX XXXX on XX/XX/XXXX. I did not authorize this account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting an account that there is no name listed for the company and that it's not listed by any of the other bureaus. I have submitted a complaint to Equifax directly and it came back verified. This is an FCRA violation of complete, whole and accurate reporting mandates.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed my 1st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws EXPERIAN has violated. 

On XX/XX/year>, EXPERIAN responded with a VERIFIED AND ACCURATE response to my 1st complaint REPORT # XXXX On XXXX XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking EXPERIAN to send XXXX their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 1ST complaint with the CFPB. 

On XX/XX/year>, EXPERIAN responded again with a VERIFIED AND ACCURATE response. 
REPORT # XXXX Today XX/XX/year> I am requesting for the 2ND time for EXPERIAN to provide me with your METHOD OF VERIFICATION in accordance with FCRA 611 ( 15 U.S.C. 168i ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


Once again, I am writing to request the method of verification for dispute initiated and the subsequent response received. The following accounts remain on my credit report, and they should be deleted. 
XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX EXPERIAN why have you not followed procedure in providing me with the original contract proving these accounts belong to me??? Furthermore, EXPERIAN you are in violation of Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), requires that [ w ] henever a [ C ] onsumer [ R ] eporting [ A ] gency prepares a [ C ] onsumer [ R ] eport it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The reporting of these accounts are inaccurate.

Provide me with your METHOD OF VERIFICATION or delete these accounts ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ).

This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ). 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) data, including financial aid history and loan information. 
My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Prepaid card

I received an American Express prepaid gift card from my company. I made 2 small purchases on XXXX with it, but the 3rd purchase attempt failed ( attempted purchase amount of {$170.00} ). I called AMEX XXXX XXXX XXXX XXXX XXXX and they said purchases at XXXXXXXX XXXX XXXXXXXX have been blocked, " try somewhere else ''. I went to the third-party site XXXX XXXX XXXX XXXX XXXX to purchase the same XXXX battery directly from them but the purchase was again declined. I called AMEX back on XX/XX/XXXX XXXX XXXX XXXX and they said they unblocked all sites, wait 24 hours and try again. I tried around XXXX XXXX XXXX XXXXXX/XX/23 using the card again on XXXX XXXX XXXX and still declined. I tried again on XXXX as well. I called AMEX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX they said nothing is wrong on their side and to just keep submitting orders until something goes through. I tried again on XXXX XXXX XXXX XXXX XXXX  around 20 times and all declined. Now I have {$300.00} stuck on this card that no one will seem to take and AMEX support is no help to resolve.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address several inaccuracies in my credit report, specifically related to incorrect personal information, like my name and address listed incorrectly, which could lead to more issues down the road. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute incorrect information and that credit bureaus are required to investigate and make sure everything is accurate. I believe these personal details violate that standard of accuracy, and Id like some help to finally get this sorted out.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, transunion and XXXX are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

unlawfully add inquiry to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 EQUIFAX , INC . 

I expect the EXPEDITED removal of the Fraud Alerts, Etc. on my XXXX, XXXX, and EQUIFAX INC. consumer Report. 


This letter is to request the removal of the fraud alert 's etc, from my personal consumer report. 

Also remove - REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX REMOVE IMMEDIATELY - Consumer Statement : XXXX XXXX XXXX XXXXFCRA INITIAL FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCO REMOVE IMMEDIATELY - Consumer Statement : XXXX. CONTACT CONSUMER AT ( XXXX ) XXXX