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

On XX/XX/2020 at XXXX XXXX  I tried to make a deposit of {$2000.00} at an ATM and the machine started to reboot on me while making the transaction. I waited for it to reboot and go through its process, but when it turned back on my transaction was gone. The screen gave me an error message saying that the machine isn't working right now, and it took my money without giving a receipt or anything. I filed a complaint on the same day. Then a month later the claim I filed was reversed leaving my account negative with numerous overdraft fees. Weeks later I haven't had any resolution for the money I lost.
Product: Bank account or service

I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

I filed dispute of invalid information on my credit report with XXXX  and XXXX from First National Bank of Omaha ( FNBO ). Last XXXX FNBO said I was late on payment of a credit card I had with them. There was an erroneous charge on that card with I reported to FNBO from XXXX Circulation. I reported this to FNBO, and they agreed and credited my account for the erroneous chard, credited the late payment fee, and interest charges ( as shown on the submitted documentation, billing statement ) but still marked my credit report with XXXX  and XXXX  as late XXXX  days, for this erroneous charge. I ask them to correct but they refuse to correct credit report.
Product: Credit card or prepaid card

In XXXX I had a XXXX  installed from a XXXX  in XXXX XXXX, FL from XXXX XXXX ; XXXX XXXX XXXX. The XXXX  cost was {$1800.00}. I paid for the XXXX with a GE Care Credit credit card issued by Synchrony Bank. The XXXX was terrible work. I asked for the XXXX  to redo the XXXX, which she asked for the full fee to redo the XXXX  again, which I refused to pay and moved on to a new XXXX  who has redone the XXXX for {$1500.00}, which has been charged to my GE Care Credit charge card. I have disputed the charge with GE Care Credit and issued a letter from the new XXXX  detailing all of the ways in which the previous XXXX  was bad work and how it was causing me problems and would cause more problems in the future. GE Care Credit says they do not resolve " quality issue '' disputes and I am responsible for the charge. The XXXX  will not refund me and the credit card company is holding me responsible. 

I have filed a complaint against the XXXX  with the state of Florida Board of Health, and she is being investigated. In the meantime, I want the charge refunded and retracted from the dentist.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 

The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 

I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 

In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 


XXXX XXXX
Product: Mortgage

My husband and I are super eager to get started on buying a home. We have herd a lot of great things from Veterans United so we wanted to get started immediately, however I just got off the phone with XXXX XXXX located in XXXX, Sc I believe. As we were speaking everything was going smoothly. I was ready to get the ball rolling. 

I was giving him my information as well as my husbands. When asked for my social security number, I was not in my office so I had to put him on hold to get my card from my handbag. He was on hold for no longer than 30 seconds. When I returned to the phone, he took my social security number and put it in the system. 

My social is newly issued since I have recently been able to adjust my status in the United States. 

XXXX 's entire demeanor towards me changed after giving him my number and his tone was very accusatory as he continued to ask me " okay ... where did you get this social? " ; that to me was already offensive as obviously the only place to legally " get a social '' is with the Social Security XXXX. I replied and said the Social Security XXXX of course. He then said " Okay, well it took you a while to go get your social '' I took that, along with his tone as a way of cornering me assuming I acquired my ss illegally, so at this point I felt attacked and discriminated. He continues to be-little me and say I have the wrong social since it 's not in the system and suggested that I did not give him the correct numbers. I told him he was offending me and he said " I 'm not trying to offend you '' yet his matter-of-fact, arrogant tone was loud and clear. 

I no longer wanted to continue to work with him and told him to eliminate all the information that was given to him as I did not feel comfortable proceeding with the conversation since buying a home is our biggest purchase I do not want to settle for this type of derogatory treatment. He should be honored my husband put his life on the line for XXXX to have the freedom he has now.
Product: Debt collection

Dear Midland Credit Management, This letter is to formally request that you cease all communication with me regarding the above-referenced account. This request is made under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ).

Please note that this letter is not an acknowledgment of the debt, nor is it a promise to pay. I am exercising my right to request that you stop all forms of contact with me, including phone calls, emails, or letters.

Failure to comply with this request will leave me with no choice but to report any further contact to the appropriate regulatory authorities.

Please confirm receipt of this request in writing. 

This is the letter I sent to them and still no response just keep calling and sending emails and mail to my house
Product: Credit card

Complaint filed Tuesday XX/XX/XXXX @ XXXX EST When I opened my Citgo Rewards Card ( serviced by Synchrony Bank ), I requested Paper Statements. I received my first paper statement which covered transactions for the period of XX/XX/XXXX to XX/XX/XXXX and had a payment due date of XX/XX/XXXX. I made my {$180.00} payment on time. Per their normal practice, they switched my statement delivery to electronic, without my consent. Since I did not have an online account to receive such statements, I never received the next statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX. I called Synchrony bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a copy of the Statement for the period of XX/XX/XXXX to XX/XX/XXXX with a due date of XX/XX/XXXX and they say their system is Not able to retrieve that statement, because it does not even appear in their system. I was afraid that my credit would be harmed by a late payment, so I asked for their payment mailing address and what the current balance on the account was. I was told my current balance was {$220.00} which I am not able to substantiate or reconcile with my receipts, but mailed that amount to Synchrony anyway. Please order Synchrony Bank to provide me with the missing statement. Also direct them to stop switching Customers automatically over to the electronic statements after the first statement is printed, which I was told by a representative at Synchrony Bank is their normal practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is in response to the first CFPB complaint I submitted. Citi has responded but not provided a full picture of the events. 
This is what happened : -XX/XX/XXXXXXXX I cashed a check for {$1700.00} to withdraw my entire funds from the CITI Bank Account . 
-XX/XX/XXXXXXXX I logged in to my Citi account and NOTICED that my account balance was reduced to {$0.00} and the check was showing up as a debit on my account. This is the day I chatted with the CITI reps and asked them to close my account. ( My balance was already showing as {$0.00} ). 
-XX/XX/XXXXXXXX My other bank ( where I cashed the Citi check ) informed me that the check had bounced, and I was charged {$34.00} bounced check fee from my own bank. I don't know why the check had bounced if CITI had already reduced my balance to {$0.00} on XX/XX/XXXX. 
-XX/XX/XXXXXXXX Yes I logged back in and noticed that my entire balance of {$1700.00} was still available, so I XXXX that back into my own bank to reduce the balance to {$0.00} and let the account close. 

After this, CITI Charged me a " bounced check fee '' as well ( not sure why if the check was already showing as cashed from CITI when I asked them to close it ). Then every month CITI charged me an overdraft fee to accrue multiple charges in fees. Yes as you stated, I was receiving statements, however if you see I also have 2 credit cards with CITI with a {$0.00} balance that I haven't used in a while. So when I was receiving my ELECTRONIC statement notifications via email, I was deleting them as the email only says " Your statement is ready '' and I never open the CC ones since I don't use my CC 's so I ignore those emails. 

Lastly, IF there was indeed an issue with closing my account why did the customer service rep not mention that there was anything pending? The CSR on chat Confirmed I had a {$0.00} balance ( implying my check had cleared ) and proceeded to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information on my credit file and I halve told them time and time again that this is effecting me adversely. I have sent letter after letter only for them to tell me that it has been verified. i requested to know who gave incorrect inaccurate information and the company that they told me sent me a letter on letterhead telling me that they have no record of such ibankruptcy. I want this bankruptcy deleted from my report. It is a direct violation the FCRA rights. 

I am not a third party, I am filing a complaint on my behalf.
Product: Debt collection

RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 

1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. 

I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

5:02 cfpb late payment removal | Search n accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency canr furnish a account without my written instructions.

13.6K 15 USC 1666B : A creditor may no treat a payment on a credit card XXXX account under an open end consumer credit plan as late for XXXX t Reppstitofollowers XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Get late payments removed from your credit report # credit # credite ... more Add comment...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of inquiries that do not belong to me as they are fraudulent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As I was reviewing my three credit reports the week of XXXX XXXX, I noticed fraudulent accounts were sitting on the reports. Please remove those from the credit report, it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a severe matter regarding fraudulent activity on my credit report. Upon thorough review, I have uncovered multiple inaccurate and unauthorized entries that significantly compromise my financial integrity and creditworthiness. These fraudulent accounts have been causing unwarranted distress and hardship, and I seek your immediate intervention to rectify this situation. 

The fraudulent entries in question are as follows : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$80.00} Status : Collection account. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Status : Collection account. {$130.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1300.00} Status : Collection account. 
XXXX  Date Opened : XX/XX/XXXX Balance : {$270.00} Despite my repeated efforts to address these issues with the credit reporting agencies, the entries persist on my report, unjustly tarnishing my credit score and financial reputation. 

It is imperative to emphasize that I have never authorized or initiated any of these accounts. I strongly suspect that they are the result of identity theft or malicious activity targeting my financial records. As a vigilant consumer, I have diligently monitored my credit report and have taken immediate action upon discovering these discrepancies. 

In light of these grave concerns, I wish to draw your attention to several pertinent laws and regulations established under the Fair Credit Reporting Act ( FCRA ) that safeguard consumer rights : Fair Credit Reporting Act ( FCRA ) Section 609 : This section empowers consumers to request disclosure of their credit report and dispute any inaccuracies or fraudulent entries therein. 
Fair Credit Reporting Act ( FCRA ) Section 611 : This section mandates credit reporting agencies to promptly investigate and address any disputes raised by consumers regarding the accuracy of information on their credit reports.

Fair Credit Reporting Act ( FCRA ) Section 615 : This section outlines the responsibilities of information furnishers, such as creditors and lenders, to ensure the accuracy and integrity of the information they provide to credit reporting agencies.

I urgently implore the Consumer Financial Protection Bureau to intervene in this matter and expedite the removal of these fraudulent entries from my credit report. Additionally, I request a thorough investigation into the origins of this fraudulent activity and appropriate actions against the perpetrators.

Enclosed with this letter are copies of documents supporting my identity and evidence of the fraudulent entries on my credit report.

Your prompt attention to this matter is greatly appreciated, and I eagerly await a swift resolution. Please do not hesitate to contact me if further information or assistance is required.
Product: Mortgage

My mortgage was sold to Seterus. I was late with my payment XXXXfor XXXX XXXX,2016. After that, they mailed my payments back and told me not to send them unless it was the full payment which included tons of fees. Now they say they do n't have my modification papers even tough I sent them everything. Today they will auction my home unless I pay them {$30000.00} this morning. I will be homeless after this and be out all te money I have put into our family home.
Product: Student loan

I have been trying to deal with them for ten years now, I got these loans because I was told they were just like any other student loan, but these loans you could pay on while in school so you didnt owe so much in the long run. That was entirely false. They will not combine my loans into a single loan, they will not remove my co-signers from the loan, which I was told would happen when I was out of school. They will not allow me to repay based on my income, no other companies will touch these loans. They call me an average of ten times a day sometimes leaving messages sometimes not and they call me from multiple numbers, I only find out who it is after they eventually leave a voicemail. They call relatives and places Ive been and worked asking for me and payments and that I owe money. They harass my family and me endlessly with these calls. I have tried multiple different ways to resolve my loans to make it where I can make payments and afford payments, but they deny every attempt I make. They are asking for 3/4 of my monthly income, and I have an ill wife and child to care for a car payment so I can get to my job to pay on any loans, and a house to pay, and that doesnt include all the other basic things that require money to have like food. Every step of the way this company has lied to me and deceived me I found out for awhile I was making payments and a family member was making payments yet it was never shown that multiple payments were being made. Dealing with this company has been a nightmare and I would never recommend using them for student loans.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX account that TransUnion has inaccurately deemed accurate. Despite this claim, the company furnishing the information has failed to provide proper certification of the debt. While they have provided a copy of an agreement, they have not certified that they possess or can produce the original document for my review or for review by a judge in court. As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. 
Please be advised that TransUnion is engaging in fraudulent reporting, in violation of Title 15, Section 1611 of the U.S. Code. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, TransUnion assumes liability for these actions.

You are hereby given 30 days to cure this default and delete the inaccurate reporting. Failure to do so will leave me no choice but to pursue legal remedies, including but not limited to claims for : Violation of the Fair Credit Reporting Act ( FCRA ) Defamation of Character Violation of U.S. Code Title 18, Part 1, Chapter 63, Section 1341 ( Mail Fraud ) PLEASE SEE ATTACHED NOTICES
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S State Farm B Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX, XXXX
Product: Checking or savings account

I received a letter from TD Bank that someone had tried to open an account with my name and Social Security.