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

Hi there, I opened a checking account with Citi on XX/XX/XXXX, during a promotion offering a bonus of up to {$2000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion requires that " New-to-Citibank Funds '' be deposited into the new checking account within 20 days of account opening. The balance on the XXXX day determines the maximum eligible cash bonus. Since there is no Citi bank near my area ( zip code : XXXX ), I had to mail the check to fund my account. Concerned about mailing delays, I spoke with a Citi agent before opening my account. They assured me that if the check was mailed within 30 days, I would still be eligible for the promotion. Consequently, I mailed my check on XX/XX/XXXX, and the funds ( around {$75000.00} ) were deposited into my checking account on XX/XX/XXXX. According to their promotion policy, I should receive a {$1000.00} bonus. However, after waiting for the bonus and following up with Citi multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I've had mixed responses. Initially, Citi agents confirmed my eligibility and promised to resolve the issue and send the bonus. Later, they claimed I did not qualify because the funds were deposited outside the XXXX window. Despite explaining the initial assurance I received about the XXXX window for mailed checks, the issue remains unresolved. After many frustrating calls, Citi told me to fill XXXX form to get the Bonus. I did send them the XXXX form by email and it got rejected. Later on, Citi asked me to go to their brunch to fill the XXXX form with ID. I went to the Citi XXXX in XXXX XXXX on XXXX, XXXX and filled XXXX forms and get my Passport copied. At that time the XXXX confirmed that's everything they need to provide me the Bonus. Now when I called the Citi agent again today ( XXXX ) to check the status of this promotion bonus, the agent told me I am not qualified and they want me to fill the XXXX form again through email. This sounds ridiculous. How many time they told me to fill the XXXX forms? I got the impression that Citi just use many excuses to reject my Bonus. I aksed the XXXX to transfer to her XXXX but later on the convsersation was disconnected ( Maybe intentionlly ) and the Citi never called me back again. I am so impressed by Citi Bank 's attitude towards their customers. I can't believe such a big bank is trying to find many excuses to reject the promotion bonus they were supposed to pay.
Product: Debt collection

This debt is from account from $ XX/XX/2008 an account is old and such no longer owed or valid. This has been requested to be removed many times. I want this removed from my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines . The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law.

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off.

Legal Basis for Complaint Violation of IRC 6050P : The internal revenue code mandates that creditors report cancelled debt exceeding {$600.00} to the IRS and provide the debtor with a 1099-C form. The failure to Issue this form not only prevents me from property reporting my taxable income But also raises concerns about the creditor 's adherence to federal law Fair Credit Reporting Act ( FCRA ) 16815-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinquent when it should be classified as
income and documented through a 1099-C.
Product: Credit reporting, credit repair services, or other personal consumer reports

In section 15 you sc 1681 section 602a State I have right to privacy 15 USC 1681 section 604a section 2 it also States a consumer report agency can not furnish an account without written instructions USC 1681 c A5 section States no consumer reporting agency may make any consumer reporting containing any of the following of information any other adverse items of information which in a dates the report by more than XXXX years other than records of convictions of crime in accordance with The Fair credit reporting act the list of inquiries has XXXX my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 USC 1681s-2 A person shall not furnish any information relating to a customer or consumer or reporting agency if the person knows or has reasonable cost to believe that the information is incorrect
Product: Mortgage

As per my original complaint XXXX ( see attachment 1 ), I believe the bank and its representatives set a course to deprive and conspire, to obtain property by deception. 

I know the XXXX and XXXX  have added documentation to this CFPB file, further proving my original points of concern, as well as new findings triggered by the bank and their associates ' replies to the complaint. 

To further add to the already held internal servicing notes ( regarding repair funds showing funds received and disbursed ), I was recently sent ( and currently hold ) 99 pages of internal Shellpoint emails discussing my complaint. Reading them not only shows their failure to maintain or hold records, but also proves that they simply do not have the missing loan history, insurance funds, and or escrow account interest statement. It also portrays that they have not followed, nor do they understand, the SII RESPA rights and violations. As you will see in the attached ( see attachments 2 and 3 ), they are now pointing fingers, threatening litigation at each other. Reading further into them, you will see their compliance officers, and even the President of Shellpoint ( XXXX XXXX ) is CCed. With them having this knowledge, ethically, this shows conspiring from the top. 

The simple fact is, all parties aware are complicit. 
I know now that this started with XXXX, and that directly after my father 's death, a chain of incompetence was triggered ( by not processing the SII ), which then became an ongoing coverup. I see the additional teams and people have fallen prey as well. 
What has been uncovered over the last few months further proves that all have taken part to deprive and conspire to obtain property by deception. Looking into the SEC files shows additional issues that are more damaging. 
It's a mushroom effect, however, the lies and coverups have no foundation. Their team is looking for items that simply are not there ( no vaccination for this problem ). It's a house of cards and it reaches the top. 

Unable to answer any of the points in the original complaint and or the new findings, Shellpoint is now refusing to discuss the file and has referred me to their counsel. 

I did reach out to discuss all points from the original complaint, as well as the new findings and concerns, with their counsel ( followed by email ). Unfortunately, they too are unable to answer all the points. 

As stated in my original complaint, in order to start to resolve this, at this point, the bank needs to withdraw from all frivolous or deceitful actions. 

In pursuit of that statement, coupled with the new findings, yesterday I emailed their counsel, demanding that they discontinue the foreclosure action forthwith immediately. They are ethically obligated to do so. 

I still have hopes that the harm done can be rectified and I will continue to pursue this with the hopes of a mutually agreed resolution. I want nothing more than for my family and property to be made whole again.
Product: Credit card or prepaid card

Was making monthly payments as usual over the phone with a representative, I was not informed my payment was more than what I was paying so that obviously incurred late fees. I was told months after that the payment changed and so did the interest rate because of late fees being added each month.
Product: Credit card or prepaid card

On  XXXX   XXXX   2017 , I noticed that  an Amazon Chase Visa ha d been added to my husband 's and mine  account. I found this out as I was checking the balance of a credit card we have had for years with Chase (   XXXX   Visa ) - a nd all of a sudden, there were  XXXX  accounts instead of just  XXXX . We had never applied for this card and called  XXXX  immediatel y. Someone had fraudulently opened the Amazon Chase Visa card in our name on the exact same  da y (   XXXX   XXXX    ). Chase cancelled the card.
<P/>
Chase was helpful in cancelling the card, but when asked if they would contact the credit bureaus, we were told that was our problem. They opened a card without any information other than an old address ( from more than three years ago ) and an obviously fake email address, but we now have to fix the problem?    <P/> In addition, based on internet research, this appears to potentially be a  n inside job either by Amazon or Chase.
<P/>  I have put fraud alerts on both my husband 's and my credit reports with all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have claimed that I owe them an alleged debt but did NOT receive my WRITTEN CONSENT to allow for these accounts to be placed onto my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 15 USC 1681 as a consumer I have the right to prohibit information from being used in connection to any credit or consumer transaction. 

I have attached the proof of these alleged being placed onto my accounts.
Product: Checking or savings account

On XX/XX/XXXX I wrote and mailed check # XXXX to XXXX XXXX Treasury for {$7300.00} as payment of the 2nd half real estate tax. I balance my checking account weekly via XXXX and I balance it with the Bank statement monthly. My bank statement does not have digital images of checks, just the date, amount and check number. Everything balanced but on or about XX/XX/XXXX we received notice of our new real estate tax bill along with notice that our previous 2nd half payment was past due, along with a substantial overdue financial penalty. I immediately went online to US Bank, where I was able to access a copy of check # XXXX, which had been changed to an unknown party but left the dollar amount unchanged. I immediately notified the US Bank fraud office and followed their directions to document everything and appeal for reimbursement for the fraudulent check. I provided a copy of my check stub, which showed how check # XXXX was originally written ( the amount was identical to the first half check written XX/XX/XXXX. ) On XX/XX/XXXX I received notice that US Bank had denied reimbursement because I had not notified them within 30 days after the relevant bank statement. Obviously, I had no reasonable way to know of the fraud until I received the overdue notice from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have had data breaches since I have been on their servers. Ever since I branded my company through their servers I have had the toughest time keeping them out of my inbox and out of my business. I do not trust them, their subsidiaries, or anything else involving " friends '', " business associates '' or anyone else named herein. 

Additionally, XXXX, XXXX and their subsidiaries have sampled, used, and reproduced my material without permission or actually keeping count of my plays, listens, or promotions. 

They, in conjunction with XXXX, have continued to suppress my free speech since college. Their ad-space is cheaper for politicians than they are for struggling students and single mothers across the globe. I don't trust them or anything they provide to the community. The ONLY reason my accounts are still available to this day, are because I like to listen to music and think about life.
Product: Debt collection

I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you!
Product: Mortgage

Mr. Cooper is my second mortgage on my house. I have sent them financials and request for mortgage assistance and I have had a hard time with them processing my request. The have declined my request and didn't give a reason for the denial, letter states I need to sale my home if I can't afford my home. I feel I'm being discriminated against because of my age and I'm a XXXX elderly man. Under the Consumer Protection or Flex modification the mortgage company is suppose to assist the homeowner with staying in their home. I don't want to lose my home to foreclosure. 
I'm on a fixed income and I can afford my home. 

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

I checked my credit report back in XX/XX/2020 and noticed several inquires on my credit report that i had no knowledge of nor did i authorize, and came to the realization that someone may have stolen my personal information. I contacted my local police department and was told, since no fraudulent accounts were open to file an identity theft report with the FTC and submit it to the credit bureaus to bring any fraudulent activities to their attention and to get them removed. i have mailed a copy of my ftc report using certified mail to equifax and XXXX twice since XX/XX/2020, using the tracking numbers from the mail receipts i was able to verify both times that the letters were received by these agencies. still to this day ( over 3months later ) i have not received any rersults, or status updates from these agencies. i have called these agencies several of times and have got diffrent stories each time, including we never got the letters, we are still working on your disputes, and then again we never received your disputes. i will upload the receipts and tracking numbers from the united states postal service proving that i indeed mailed my forms to these agencies and that they received my documents both times, i will also upload a copy of my federal identity theft report along with my state id and social security card so that these agencies can do the jobs they are paid to do and not falsely close this complaint out due to not being able to identify me
Product: Debt collection

I have NEVER done business with TEK-COLLECT INCXXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I rec 'd a letter dated XX/XX/XXXX from XXXX XXXX, Citibank, XXXX XXXX XXXX, with a statement that they needed to confirm that this was a valid application that I submitted and it provided a 4-digit reference number. I did not apply for this card and do not use XXXX for my gas. 
Several days later, I rec 'd the credit card ( not dated ). 
On XX/XX/XXXX, I called the # on the letter, XXXX. They answered fraud dept. I proceeded to explain that I did not apply for this card. In order to verify me, they needed my name, last 4 of SS #, address, DOB. I have never had to provide my DOB over the phone to any existing creditor I use. I felt I was being asked for way too much information. I repeatedly said I was not trying to be difficult but just very leary that they needed all of this info and if this was legit. The " CSR '' seemed very short and defensive. I was reluctant and hung up. 
I then called the # on the back of the card, XXXX. They answered " Consumer Protection Services. '' I questioned why they answered that way if this was supposed to be a customer service number. I, once again, explained the situation & specifically told them I wanted to close the account. I was told again in order to verify they would need my name, last 4 of SS #, address, DOB, an e-mail and a password. I told them I did not have a pw. Since I did not sign up for this card, I did not set up an online account. I was told this was to verify when they called me. I asked if they could tell me if there were any charges on the card yet and when it was applied for/processed. To provide this information, they would still need all of the info I had listed. Again, they were very short and defensive. I hung up again. 
Within one minute, I rec 'd a call from XXXX and said they just spoke to me and were calling from the fraud department. It was not the same person. I did not provide any info. Looked up this # on-line while I was on the phone and there are many reports of this # being associated with a scam. I told them this and said I was hanging up. There was no re-assurance that they were legit, just an ok. 
It is a shame that these scammers are misrepresenting CitiBank and as consumers, we are paying, in some way ( higher interest, fees, etc ), for all of these companies to have to combat fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reach out to Equifax and XXXX Regarding the impact I have suffered due to fraud and identity theft. My Consumer Report has a false score and XXXX and Equifax has not helped me and I am suffering through XXXX due to my reputation.
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, XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX  : XXXX, XXXX XXXX XXXX : XXXX, has 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a Full File Disclosure Request Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) to Equifax in writing. 

I received no response. On XX/XX/XXXX I sent the request again. I included my Security PIN both times. XXXX XXXX, XXXX, XXXX, XXXX, and XXXX  responded. 

I still have not received a response from Equifax.
Product: Money transfer, virtual currency, or money service

My attempt to secure funds for a crucial life event was met with incompetence, indifference, and a cascade of delays, leaving me financially and emotionally drained. 

I initiated a wire transfer on Friday through Discover to XXXX. Due to a human error, I put in the routing number the routing and account number. 

When I inquired on Tuesday, I was initially met with unacceptable delays of 7-10 business days. This unacceptable response forced me to escalate to the recall department.

On Wednesday, I learned from XXXX that the funds had been automatically returned to XXXX XXXX on Friday. However, Discover inexplicably informed me of a 5-7 business day return window. 

When I escalated this to a recall supervisor, she mentioned that the funds might be delayed by the Federal Reserve, with a potential 3-5 business day return timeframe. This information was contradicted by a subsequent wire supervisor who claimed a 2-3 business day return window.

Discover 's customer service has been a nightmare, providing conflicting information and failing to provide basic assistance, such as a valid contact number for XXXX XXXX. 

This entire ordeal has been incredibly time-consuming and incredibly frustrating. I have incurred significant additional expenses due to the delay, including extended hotel stays and the need to reschedule movers.
Product: Credit card

To start, XX/XX/2023 my bank account with Navy was hacked and money taken from both checking and credit card. They trf what I had in credit to my checking then took it using the XXXX XXXX. ( went to a XXXX XXXX XXXX  XXXX ). I have never used the App, therefore would have been at least an alert. Navy CU couldnt contact me about suspicious transaction because the hacker started by shutting down my mobile phone. I had XXXX XXXX ( suspect inhouse, was never investigated ). Ever since I have been plagued by the {$1.00} cash advance fee. The XXXX, after a couple of weeks of investigating the hack, refunded my money back, but was told I had to pay this fee because money was trf from the credit card. Would continue until the money that was trf paid back. And has continued since. Every month I have to contact them. This month Im told my msg was forwarded-a week ago. This is small, but it does affect the balance.
Product: Debt collection

I've sent three certified debt validation letters to this company RESURGENT/ LVNV FUNDING, LLC and to no avail did not recieve a response in regards to this alleged debt on my credit profile. 

Therefore, I have no choice but to file a CFPB complaint as they have failed to due their due diligence in regards to this matter. 

Not only that. I was not notified of this debt from thier company and/or oppurtunity to debunk said alleged debt. 

I've attached the most recent certified letter that was sent to this debt collection company.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.