23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX/XXXX/XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with XXXX Citi representatives in XXXX and XXXX XXXX that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Checking or savings account

BANK OF AMERICA was first notified in XXXX that XXXX XXXX and others were repeatedly taking money from my account ( current total ~ {$100000.00} ) and did nothing to prevent it. She repeatedly used my money to pay the same household bills, but they didn't block those payments. 
I was repeatedly assured the account was frozen, and a few weeks later would find she was spending my money again. 
In XXXX, XXXX produced a report given to my social worker ( I am XXXX ) confirming that XXXX and friends were accessing my account, but still did nothing to stop the ongoing thefts. 
In XX/XX/XXXX, despite dozens of warnings that there is an identity thief, and their own report, they allowed her to change the address for ALL my accounts ( giving her the account numbers she didn't have ) and sent her new cards, cancelling mine. The employee who froze my accounts failed to give me the password so I can't access my own money, nor request new cards. 
The XXXX was paid in full in XXXX. Someone XXXX reversed that payment, and XXXX has stubbornly refused to use either the cash they have access to or the rewards points to pay off the card and has persisted in reporting it as months overdue, which has now resulted in all my credit cards no longer working. I am about to be homeless because of their screwup. I just want my money and credit rating back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  is reporting an account to my credit report ... .Everytime I dispute they verify it as a verified account.Its a fraudulent account.Its identity theft.Its not my account.I never had this card.I have been complainianng and they keep verifying the account.It is not my account.I want this account deleted from all of the consumer credit agencies.I can supply this agency and the company/bank with the police report the OCC and FTC ... 

I have contacted the federal court house in my city/state.So I can prepare myself for filing a federal lawsuit.I filed the complaints with the FTC, OCC and the police report.So I can create a paper trail for court. 

This is a violation of FCRA ... XXXX  XXXX XXXX  is reporting incorrect inaccurate and untruthful information on my credit reports ... .This account is not mines... 

I want a copy of the original credit card application, the statements for the history of the account.I am requesting this ... .XXXX  XXXX XXXX  can either supply it to me now or supply it to me through a federal subpeona.Once the Lawsuit is filed in Federal Court . 

Everytime you update the account its on the credit report ... So if i have too... I will file a lawsuit ... .Its only {$400.00} and you will have to come to court... .Then you will have to explain why you didnt follow through and investigate the account ... After letting you it was a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

STUDENT LOANS ARE NO LONGER WITH XXXX  PER XXXX  ALL MY STUDENT LOANS WERE TRANSFERRED TO XXXX XXXX AND ALL XXXX SEPARATE LOANS WERE PAID IN FULL PLEASE REMOVE XXXX OFF MY REPORTS OR WILL BE SUEING, CREDIT REPORTING COMPANIES ARE NOT INVESTIGATING, ESPECIALLY EXPERIAN, KEEP REPORTING THE SAME INCORRECT INFORMATION, ATTACHING DOCUMENTATION ONCE AGAIN PROVING THAT XXXX DONOT HANDLE MY STUDENT LOANS & THAT ALL XXXX SEPARATE STUDENT LOANS ARE PAID IN FULL WITH XXXX XXXX THAT HANDLES ALL XXXX OF MY STUDENT LOANS, PROOF SENT BY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is refusing to remove the following accounts as I have already reported to them that they are in violation of several consumer rights. They are also not truly conducting the proper research. I have submitted this same complaint several times and nothing is changing. A prime example is the XXXX account in which the dealer never even provided resale documentation nor proper notices for repossession and Experian and TransUnion still will not remove.
Product: Debt collection

" Credit Collections '' at XXXX continues to call my numbers multiple times per week after I have written, submitted online requests and verbally informed them that the person they are attempting to collect a debt from XXXX my ex, XXXX XXXX XXXX moved out in 2010. I have informed them he can not be reached at my numbers XXXX XXXX, XXXX XXXX multiple times but they continue to call repeatedly. I.e. last Tuesday they called 5 times between XXXX and XXXX, then called twice on Friday afternoon while I was trying to work. I have zero responsibility for my ex 's debts and am tired of this company harassing me even after I gave them his new number.
Product: Credit card

On XXXX/XXXX/2015 Citi Bank reduced the credit line on my credit card although I have never been late and have honored the terms of our agreement. This action by Citi Bank will reduce my credit score because it will reduce my available credit and increase my outstanding debt ratio. My credit should not suffer if I have kept my end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current XXXX report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in Transunion and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX and no one will listen or fix the problem.
Product: Checking or savings account

In the month of XX/XX/year> someone had taken money out of my account so I called SoFi to get a new card. They sent me a temp. refund of XXXX and sent me a new card. They never said anything about my account getting froze if I were to file a complaint for fraud. I called 2-3 times a week trying to get this lifted. On XX/XX/XXXX I was able to get my funds released after doing a Id verification and other requirements. The next morning it was still active. I went to use it that afternoon and it was again frozen. I called for more info and no one will answer me or just hang up on me. Its my XXXX check and I cant purchase food meds or anything. I explained this to them and told them that its not in the agreement to repeatedly freeze and unfreeze for no reason. They refused to give me a reason for the refreeze. Ive still been calling 2-3 times a week and was eventually told to stop calling and hung up on. They now said they were investigating my dispute and half was done and they had no time line on when they would finish. A few minutes later I received this email that I will upload below. XXXX XXXX XXXX XXXX on a fixed income please help. What would be the reason to freeze and unfreeze. This isnt in or explained in the contract. Also per SoFi Deposit Account Agreement it states nowhere that once you do requirements to unfreeze account after reporting fraud and they are no longer restricted. No where does it say for absolutely no reason they will freeze them again without explanation or warning. My account was already restricted and unrestricted for the dispute investigation. Also why is my account being closed. I dont understand why SoFi would issue me a new card and then out of nowhere say they are closing account and that it could be another 30 after investigation is done to receive my money. Just let me use my card and get my money out of account to live. I feel this is absolutely inhumane to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the enclosed document
Product: Debt collection

In XXXX  I filed XXXX XXXX bankruptcy ; my student loan was included in this. After careful assessment, the trustee determined that i would pay back all debt at 100 % over a period of 5 years. Nothing was charged off. I begin paying monthly installment for the next 5 years and received a completion of payment in XX/XX/XXXX. Shortly afterwards i received a letter from Navient stating i still owed a balance of unpaid interest on a principal balance of over {$4000.00}. I tried to speak with Navient to inform them this debt was paid in full to the Unite Student Aid fund. I requested them to contact them to reconcile the balance on their end. Navient insisted that we owed unpaid interest even though the principle was being paid in the amount of {$21000.00}. Now I am being asked to pay for principal and interest on an amount already paid. I paid the amount they submitted to the bankruptcy when we first entered into agreement. How can they ask for more money after we have paid the amount they agreed to. I am paying back interest which is also accruing interest.
Product: Debt collection

The company sent email to me without my consent to collect a debt. They also sent a letter to an address that i havent used or been associated with in over 30 years. They knew my current address i havent tried to hide. Now my ex husband knows my last name. I have tried to have that not happen.
Product: Credit reporting

Equifax is reporting XXXX hard inquiries on my credit profile which I never authorized : I have called and requested for fraud alerts and requested them to remove the inquiries so many times and every time they would say they are not authorized to remove any inquiries. Those inquiries are hurting my credit score badly. Most importantly I never authorized them. I requested Equifax to request for signed documents as the evidence of my authorization from those companies but did not have any luck. I badly need help in removing those unauthorized inquiries from my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX I never had service or contract with company. I report this issuee in XXXX  but couldnt fix it. 
Factual Data Inquiry from XX/XX/XXXX I didnt finish with this application
Product: Debt collection

XXXX XX/XX/2017 a collection appeared on my report. its not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax report suggests that my information was part of what was included in the leak. At this stage I 've requested the 90 day fraud alert, but Equifax has not activated the service on my account nor notified XXXX or XXXX to my knowledge. I want to know what steps are being taken to further protect my information and my credit history from being misused.
Product: Debt collection

I've been in a battle with Jefferson Capital Systems, the collection agency, trying to have a file removed from my records that doesn't pertain to me. This file was initially owned by XXXX XXXX, but after disputing it with them, they removed it. Months later, if not years the debt was sold to Jefferson Capital Systems and it reappeared on my credit file. Even though I have never owned a personal XXXX account.
Product: Checking or savings account

Friday, XX/XX/year> I received a letter from PNC bank stating that theyre closing my XXXX businesses and my personal accounts. I called the number they gave XXXX ( XXXX ) XXXX positive account closures. The young lady that I spoke to told me theres nothing that I can do and she has no information on it. Because its from higher up. Ive been banking with Pnc for over XXXX  years. My Public adjusting company have been banking with Pnc for over XXXX years. We deal with all the insurance companies and also XXXX stations such as XXXX XXXX in XXXX. Which our commercial runs every day several times a day. A lot of money comes in and out of our account due to dealing with XXXX company.
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. 


Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. XXXX Account I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 
opened date : XX/XX/year> balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report showing active account which is i have not taken.. I have pay all loan amount with dues. then why they showing active account with incorrect proof or accounts. please rectify my credit report for good score. I have take loan which i repay on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a fraudulent account and should be removed... 
XXXX XXXXXXXX XXXX XXXXXXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX is a fraudulent account and should be removed XXXX XXXX XXXX XXXX XXXX a fraudulent account and should be removed XXXXXXXX XXXX XXXX XXXXXXXX is a fraudulent account and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here 's my cleaned up version : Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.