23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report was accessed without my permission. I received a letter in the mail where an individual was able to apply for credit using my name and social security number. i contacted the consumer reporting agencies about the issue and i was informed that my report was not accessed. In the mail I received a letter that my name and social was used to apply for credit with XXXX XXXX  Although the credit was denied, My report with all three bureau 's were obtained. Also on my report there is accounts that are negative that were not negative in the past and they are reporting incorrectly. 
Those accounts are the following : XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX - reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting negatively with a balance and closed- Please remove account from my Consumer reports. 

XXXX reporting late, I was never late, please update to paid on time and corrected immediately. 

XXXX This account must be removed from all three consumer reports ; not my account and reporting without my consent XXXX I do not own a self lender account and must be removed from my consumer report immediately. 

XXXX I do not own a credit acceptance account and must be removed from my consumer report immediately. 

XXXX Reporting on my consumer report ; I do not own this account and it must be removed immediately.
Product: Mortgage

My home was foreclosed on Monday XXXX/XXXX/2016 because a Nationstar Mortgage employee did not turn in the one document requested on time and left work to go home. I submitted the one doc they requested before the time he stated it had to be turned in ( XXXX CST ). Within a few hours of Nationstar 's request, I sent in the document and he never sent it in to be approved. I was already told it was an approved short sale. I have these facts in writing from the Equator system that my agent was kind enough to show me. I have printed the entire situation out. Because this representative left early or decided not to check my file, I lost my home the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it is plainly stated that the failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite raising the issue of these disputed accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Student loan

I emailed Navient about my loan which I started paying back in XX/XX/XXXX. The original loan amount was {$6700.00} and now, 10 years later, my loan amount is still {$5900.00}. I make my monthly payments and after 10 years of paying it is still that much? So, after emailing them, I got a response in the form of a letter. My middle initial was wrong, my loan number was wrong, they said that I defaulted on two loans in the year XX/XX/XXXX, which I was in the 6th grade in year XX/XX/XXXX, and they say that they no longer handle my loans. They are telling me that my loans are now being handled by XXXX XXXX XXXX XXXX and my information is no longer on Navient.com. I am able to look up my information on Navient and I have been making payments on Navient.com. Please advise me on what to do???
Product: Checking or savings account

I opened a Citibank checking account promotion for XXXX AAdvantage miles on XX/XX/23. 

To qualify for the bonus, both must be posted within 90 days of opening the account : 1 ) Make at least 2 qualified ACH deposits equaling {$1000.00}. ( completed on XX/XX/23 ) 2 ) Make at least {$1000.00} in purchases using their Citibank debit ATM card. ( completed on XX/XX/23 ). 

Citibanks Terms and Conditions copied from this promotion : Your Checking Account must remain open until you are paid. 
To remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your bonus. Your AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all Required Activities. Note : You will not fulfill the offer requirements if your Eligible Checking Account or AAdvantage Account are closed at the time the AAdvantage miles are credited to your AAdvantage Account. 

I inquired twice, after 30 days from the qualifying actions, and was told to wait up to 90 days. I called again on XX/XX/23, and the representative escalated my claim to the promotions dispute department after confirming that my bonus miles should have been awarded on XX/XX/23. Rep asked that I call back the following Friday, as disputes can take up to 5 business days. 

Today ( XX/XX/23 ), I was told the dispute was resolved on XX/XX/23 in my favor, and that I did completed the necessary activity to receive the bonus, and that my miles would be awarded. But that I must wait another 30 days to receive them. Unacceptable. 

My complaint : I do not believe Citibank had any intention of rewarding my miles. My account has been open for over 90 days, in good standing throughout. No action from Citibank would have occurred without my several inquiries. If a consumer must abide by the terms and conditions to qualify for a bonus, then the financial institution should be held to the same agreement they state in their terms to award their customers. I believe the funds in this account is being used for the benefit of Citibank, and extending this use for as long as possible without obligation to their consumers, nor an urgent resolution to restore consumer trust. 

I have all supporting documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

In XXXX I was victim to bank hacking and false checks being deposited into my account after contacting XXXX and letting them know that it wasnt me making these depositing that my account had been compromised they closed my account and reported it to Chex systems and XXXX XXXX XXXX causing a hindrance on obtaining a real bank account, due to this false report my XXXX XXXX  account had been closed down and wont be reactivated til this is removed please help as this issues wasnt my fault, I have proof of the deposited and proof of my password being changed Ive also attached my notes from today when I called XXXX
Product: Credit card or prepaid card

Synchrony Bank charged " transaction fees '' and interest fees for a purchase that was made 3 months ago at XXXX XXXX XXXX XXXX, the store for which this bank services their credit card accounts. 

Made the purchase on by phone with the clear understanding that if the balance is pad off in 6 month, the there would be no interest fees whatsoever. 
The bank just told me that the info interest purchase I made was for only 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

OmXX/XX/XXXX, I was online getting coupins, and several popups were being advertised in order to get the coupons. I anserred several questions, and closed the coupon app realizing it may lead to spam. XX/XX/, I received a deniel letter for an application I never applied for, so I sent an email to the XXXX, and explained the situation, and now I am receiving harrassing calls. I requested an investigation, and the removal of credit inquiry from my credit report.
Product: Debt collection

I discharged a debt for XXXX XXXX through bankruptcy as a result of identity theft. The debt was charged off and the bankruptcy was dismissed. I am assuming Portfolio Recovery has purchased this debt and is attempting to collect. They have harassed my continuously via phone, email and as of yesterday not my place of employment. I have contacted them via mail to let them know this is not my debt and they still continually harass me. My work is off limits. I work in a hospital and am unable to receive calls and now they are robo calling the nurses line. I do not want to speak with them directly because they do not listen. I need help to stop this unwanted harassment.
Product: Debt collection

HUNTER WARFIELD has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). HUNTER WARFIELD has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting HUNTER WARFIELD to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

HUNTER WARFIELD has no proof of claim with verified, validated authenticated documentation. HUNTER WARFIELD has violated the FDCPA 1692 and is Civilly Liable according to 813 Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

HUNTER WARFIELD has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Product: Consumer Loan

I currently have a line of credit with PayPal credit that I 'm paying off. My monthly minimum payment is {$35.00} and it is due on the XXXX of each month. I have made the minimum payments on time for the last two months. However, my most recent statement had an unwarranted {$35.00} late fee on it, even though I had made the payment on time for the current billing cycle. 

I 've attached both of my recent PayPal statements. The XXXX statement indicates that the payment was made on XXXX and was considered on-time. The XXXX statement indicates that the payment was made on XXXX for a payment that was not yet due until XXXX yet I was charged a late fee on that same statement.
Product: Checking or savings account

I unfortunately fell victim to a rather sophisticated online scam while engaging the services of a company called XXXX for my XXXX XXXX XXXX. After realizing this, I promptly informed my bank and sought their assistance in obtaining a refund. Initially, the bank provided me with temporary credit as a gesture of goodwill, but regrettably, they unexpectedly reversed the credit without notifying me beforehand.
Product: Checking or savings account

I deposit an check from an employer on XX/XX/21 in the amount of {$4300.00}. On XX/XX/21 I received an email from Capital One saying they froze my account and I need to call them to verify transactions. I had spoke to someone earlier that day from customer service to see why a check I did a mobile deposit on was returned. The check was from a company that hired me to do data entry. At the time I deposit the check I didn't know it was an employment scam. The person from Customer Service advised me the bank that issued the check did a stop payment. When I called the Fraud Department to verify transactions later that day they told me it was an employment scam and asked me for all the information I had on the company. I gave them the HR person name and the information I had from the USPS envelope the check was mailed it. I was advised that all my banking accounts would be closed as they would be severing ties with me. I asked why was that the case when this wasn't my fault. I had no way of knowing the company was an employment scam as everything looked legit. I was told they couldn't tell me any more information other than I would get something in the mail and that my account was considered high risk. I have never had any incidents like this in the past with Capital One. My account was never negative. My concern is they advised me I had to stop any incoming deposit. Since I used this account on my taxes my Child Tax Credit payments come in that account. Now I won't get the deposit because my account is over drawn and the IRS said I had to update my account by XX/XX/21. Since I missed that date I can't do anything about it. I also have a savings account with Capital One which I can't access the funds in. Usually if the funds aren't available in your account they will return the transaction. Since they made the {$4300.00} check available they processed my car insurance in the amount of {$240.00}. Then later that day they reversed the check and it made my account negative. Before I had a chance to even deposit any money to rectify the balance they put a hold on my account. I think it's unethical that they can close your account without any reason. Especially when it was something that I had no control over. The bank is suppose to protect their customer from fraudulent activity not write them off when something happens to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX, Transunion, XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : XXXX. XXXX XXXX, XX/XX/XXXX of listed late payment XXXX. XXXX  XXXX XXXX of XX/XX/XXXX, listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian, XXXX, AND XXXX have violated my rights. 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 an account without my written instructions.
Product: Bank account or service

I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.
Product: Credit reporting or other personal consumer reports

under the Fair Credit Reporting Act ( FCRA ) law XXXX5 USC 1681 I request these errors be updated on my report. My credit card from XXXX XXXX I saw on all 3 credit bureaus that my credit age with my credit card is XXXX but my credit report shows my credit age to be less than that from account # XXXX. There are not many options to report this so I chose to have this fixed through a better source.
Product: Checking or savings account

I have opened a Citi bank savings and checking account in XXXX XXXX branch in the last week of XXXX. Approximately one week later, i deposited three legitimate checks totaling XXXX into my accounts at the same branch. The funds were reflected as credited in my account within two business days.

However, shortly thereafter, i noticed i was unable to access my account details. upon contacting Citibank customer service and visiting the XXXX XXXX branch in person, i was informed that my both saving and checking accounts were closed and funds will be disbursed to me by mail. 

despite repeated followup over 2 months, i have received only {$100.00} check with no clarity, timeline or acknowledgement provided regarding the remaining XXXX XXXX lack of transparency, clear communication and failure to release my funds is not only distressing but also unacceptable from a federally regulated financial institution. 

i received the bank statement couple of days back and in the statement the amount marked as other withdrawal wothout any information to the account holder and without any justification. Now i am in a situation to borrow money for my immediate needs. 

i believe this complete violation of consumer trust and potentially a breach of banking regulations. i request CFPB to take immediate and stringent action against Citibank to investigate this matter and facilitate the return of my remaining funds. 

REhards, XXXX XXXX XXXX Account # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Dispute of Late Payments Under 15 U.S.C. 1666 Fair Credit Billing Act Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute late payment information reported to my credit file by [ XXXX XXXX XXXX XXXX ]. The reporting of these late payments is inaccurate and does not comply with the requirements of 15 U.S.C. 1666 under the Fair Credit Billing Act, which governs the timing and proper crediting of payments. The details of the disputed late payments are as follows : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] The payment in question was made on time, but it appears that [ reason for the dispute, e.g., " the payment was not credited promptly, '' " a billing error occurred, '' or " processing delays led to the incorrect report of a late payment '' ]. Pursuant to 15 U.S.C. 1666, payments must be credited on the date received, and billing errors must be resolved promptly by the creditor. I have enclosed the following documentation to support my dispute : Copies of payment records ( e.g., bank statements, canceled checks, or payment confirmations ) showing the payment was made on time. A copy of my credit report highlighting the disputed late payment. XX/XX/XXXX was the released date on the title and also the date I was completely done paying off the loan but XXXX XXXX XXXX XXXX are continuing adding late payments on my credit report on a loan that was never late and paid off a year ago. I kindly request that the Credit Bureaus and XXXX XXXX XXXX investigate this matter, ensure the correction of my credit report, and confirm compliance with applicable federal laws. Please notify me in writing regarding the outcome of your investigation and provide guidance on how this matter will be resolved. Thank you for your time and attention. Should you require further information, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They refused to remove the debts from my account which was not investigated properly. One amount is {$440.00} XXXX XXXX and the other is {$240.00} XXXXXXXX XXXXand XXXX XXXX for XXXX am aware of the lawsuit against them for committing these acts