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

I was looking to open a new checking account online and chose Citibank because they were offering a bonus if you kept over $ XXXX a checking account for a few months. To be safe I kept well over that ever since I open the account last XX/XX/XXXX. Unfortunately, when I went to apply online three times in a row their website kept failing. Eventually, I got through to somebody on the phone and she said it would be no problem and she could open the account for me with that promotional code that was going on. I pulled a large sum of money out of another bank that I had and put it into Citibank immediately and did not touch it. I also set up direct deposit for a brief time since that was one of the requirements. I waited months and months and I never saw any promotional bonus added to my balance. I called Customer Service three different times and two different disputes were open, the customer representative advised me that I should have received the credit already and thank you for being patient. He would escalate this. The next person I spoke to told me that dispute was closed due to me not meeting the requirements then after reviewing it, they realized I did. They opened a second claim, and told me that they would contact me within 15 business days. No one reached out to me so I called again this past weekend, and they told me that the second dispute was closed and I did not qualify for the bonus money. The promotion was going on when I signed up or else I wouldnt have signed up and kept that much money in a regular checking account The only reason I had to do it on the phone is because their website was having an issue which they all have a greed on. I would like the hundreds of dollars that I should be promoted for oily keeping a large balance in my checking account as promised. I do not have the reference number from the first dispute but I do have the second one that I was told would be resolved. However, when I called today, they said absolutely not. This is completely wrong. Ive been very patient my last call before this weekend was on XX/XX/XXXX. Reference number citi XXXX. 

Their page statement : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. 
Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the 21st day to unlock your bonus. 
Only New-to-Citibank checking customers can take advantage of this offer {$300000.00} OR MORE {$2000.00} {$200000.00} - {$290000.00} {$1500.00} {$75000.00} - {$190000.00} {$1000.00} {$30000.00} - {$74000.00} {$500.00} {$10000.00} - {$29000.00} {$200.00} Note : keep balance of XXXX to avoid $ XXXX  monthly fee
Product: Checking or savings account

On XX/XX/2023 I purchased a dog age test for {$150.00} through XXXX and used my Chase bank account card. XXXX claimed to reveal your dog 's birthday and age. I received the test, did exactly as it stated and returned it via mail. XXXX sent an email stating they received my test and would have the results in several weeks. The next day, I received an email stating my results were in and my dog was XXXX, almost XXXX XXXX XXXX which was not accurate at all. The only way to contact XXXX was through their website which was a form you had to fill out. The website listed NO telephone number, email address, or address. I contacted them through their site and stated I believed they mixed up my dog 's results with another dog but their response was a computer generated email stating how you can feel when your dog 's age isn't what you expected. I never was able to speak with anyone over the phone or via email and the problem had not been resolved. I contacted Chase bank and disputed the charge. Chase put the funds back in my account but most recently sent me a letter stating that they would be reversing the charge and taking the money back out of my account within the next week.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX XXXX, I discovered the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality undXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are not accurate and according to the Fair Credit Reporting Act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have written both XXXX XXXX and JCP ( Jc Penny ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Product: Credit card or prepaid card

I have kept up with my XXXX card payments and due dates. Which causes me to get my credit line increase up to XXXX on XX/XX/XXXX I received an email states Ill be receiving my XXXX security deposit back in check. I waited out for weeks and never received anything I then contacted my credit card explained the situation. On XX/XX/XXXX XXXX I states the situation with someone by live chat they claim to sent in another one. it is almost the end of XXXX and I have still have yet to receive anything the email states it should be sent in 5-7 business days and its been 2 months.
Product: Debt collection

my XXXXname is XXXX XXXX i was a navy federal credict member i had account it went into a overdraft status they let me attach my grandson XXXX under this account they siezed his account trying to collect my debt he is XXXX years old.
Product: Checking or savings account

Upgrade bank recently suspended my checking and savings account due to unusual activity. I am pretty sure I just use the bank to do US domestic transfer between external accounts. 

The customer service said it will take up to 30 days to fix the problem. 
I have XXXX in my savings account and I am going to purchase a house. the 30 days account suspension would delay or lose the chance of house purchase offer and will cause significant loss of my assets. 

Wish you can understand my concern and my financial distress. 
Could you help me contact upgrade bank accout to speed up the account review and unfreeze the bank suspension as early as possbile? 

I really appreciate your help!
Product: Student loan

For the last XXXX years or so I have to practically beg them to lower my payment rate. I have attempted to do the right thing and pay on the loans. The balanced owed goes nowhere but me paying at least brings them current. 

I cant afford a payment more than {$1000.00} a month and I am forced to pay way more than that each month. I have XXXX children to feed and the cost of living is absurd in my area. 

Back in XXXX or XXXX, I was met with suggestions such as moving to another city, selling platelets, or becoming a female dancer to make a better income. Of course no record of these conversations. 

Most recently, I received an email about someones loan that wasnt mine! And then a follow up email to destroy the information immediately. How many others have had their information mistakenly sent out? 

You cant trust this company. Also, my loans are being sold within a few weeks to another servicer so it seems like navient will get a slap on the wrist again and no real consequences of their dirty practices, lying, and cheating.
Product: Mortgage

I'm on a mortgage note with Calibar Homes Loans with my ex fianc 's mother. They have not paid the mortgage in over a year and seven months and now I have proof that they forged my signature to get a modified loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being denied renting an apartment because of judgement against me. We lost our house and had to move. I needed more time. I didn't realize I could have gotten one more week ( which was the time I got out ) The lawyer of people who bought house gave me until XX/XX/XXXX. My husband died that day. A friend said he called Mr XXXX and explained this and that I was still trying to sell stuff at yard sale. The sheriff had told me I had one more week and that's what I was aiming for, and when I was out.The way I understood what friend was told, was he was sorry to hear this and make sure property was clean. 
I still ended up with a judgement of {$1800.00} plus against me. I had to move to live with my mom and brother in So  XXXX XXXX, CA. I haven't been able to pay this judgement. I have read that even after a judgement is paid, eviction still doesn't come off. I never saw this against me when I looked at credit report. And read that the report that was on there ( and denying me being added on to live with mom and brother ) was that of the mortgage company and getting the house, was going off the record XX/XX/XXXX. This month was the first time I tried to rent only to learn that this judgement is preventing me.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

Called credit company to tell them that the account was opened and it was not mine. They wanted me to send the police report to them before they would clear the fraudulent account.
Product: Credit reporting or other personal consumer reports

I the creditor believe that I have acted in good faith to discharged the debt with accordance TO THE LAWS that are now being presented and should not had have any damaging reports towards my credit to all three credit bureaus THESE ARE THE LAWS ACCORDANCE TO THIS MATTER : THE TRUST INDENTURE ACT OF 1939, THE SECURITIES EXCHANGE ACT OF 1934, THE EMERGENCY BANKING ACT OF 1933, UCC 3-603 3-604, 12 CFR PART CFR 1026.13 ( d ), 16 CFR 433.1 ( d ) ( f ), 31CFR 328.5,31CFR 328.6, 15 USC 1693,15 USC 41, UCC 1- 103, 1- 104, UCC 3-110 ( a ) ( b ) ( c ) ( 1 ) ( 2 ) ( i ) ( ii ) ( iii ) ( iv ) ( d ), UCC 3-105 ( a ) ( b ), PUBLIC LAW CHAPTER 48, 48 STAT. 112, PUBLIC LAW 73-10, TITLE 31, SECT 5118 AND HJR 192 JUNE 5, 1933 1933
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXX XXXX XXXX XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX XXXX XXXX  sent evidence police reports and they continue to report and supply the same information without consent.
Product: Credit reporting or other personal consumer reports

I contacted Equifax about information missing on my consumer report. My entire consumer report is missing even my name and address. When I called in the representative told me that she could see my information and to try to look for it on MyEquifax. She also told me because I was using a third party provider is the reason I could not see my information. I used MyEquifax and still nothing was there. I had previously applied for a personal loan and the credit union told me there wasn't any information under my name. I called back to Equifax and told them these accounts are missing from my consumer file. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. I want these accounts restored to my consumer file immediately! 15 USC 1681i the information on my consumer report is suppose to be accurate Equifax is violation my rights as a consumer under the rules of FCRA. Equifax has only assumed the role of a consumer reporting agency there was no law passed to give them any authority over the consumer. This company has been involved in multiple data breaches but yet with all of the information provided Equifax refused to correct their mistakes on my consumer file.
Product: Debt collection

This debt does not belong to me. It is on my credit report. I have never done business with this company.
Product: Credit reporting or other personal consumer reports

I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXXXXXX XXXX WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to you guys before about some things on my credit that are not mine. Im trying to help my mom get a loan for her expensive meds until she start working and this is keeping me from moving forward with my life. I am doing this on my own behalf. I have also contacted the FTC and my local police. XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX US DEP ED, XXXX and some account that only have an account number XXXX.
Product: Credit reporting or other personal consumer reports

*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Account name : XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a credit card or line of credit and it moves my utilization to 102 % which is highly negative because they don't show the limit. I've provided the attached from XXXX and they continue to state that it reports properly. I currently have a limit of {$8300.00} ( which Experian reports as {$0.00} ) and utilization of {$7500.00}. This wrong reporting seriously damages my credit score. 



Account info Account name XXXX  XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$460.00} Credit limit - Highest balance {$9000.00} Terms 1 Months
Product: Student loan

I have been paying on my student loan almost XXXX years. They are saying my principal balance has only gone down {$390.00} after all this time. They say I have another XXXX years left before it 's paid off. The original loan was {$5000.00}. The principal balance is {$4600.00}. This is at 11.8750 % interest. It just does n't seem to add up. I have asked for a payment history, but have only receive a partial. XXXX XXXX was who the original loan was through before Navient took over. All the payment history that was with XXXX XXXX they have refused to give me. I have tried several times, but what they give me always has missing information or inaccurate information. They ca n't explain to me why this balance has n't gone down more than it has. I always get the run around with them and it always seems like they are hiding something. Please Help!
Product: Debt or credit management

Hi, I checked my credit and saw loqbox finance us llc and I dont sign up for it. I have no knowledge of ever signing up and it shouldnt be on my credit. This is fraud please help
Product: Vehicle loan or lease

Bank of the West transferred my RV loan to BMO. BMO is making it difficult to pay the payment without an internal checking account. They will not allow an external checking account to be entered and saved for payment. They told me it was an internal error. We looked it up online and it seems other customers are having the same problem. They have apparently been refusing to take payments and repossessing RVs. I just tried to make a payment using their quick pay service and it was refused. I apparently can not make a payment within 14 days of the last one. This is suspicious and the only way to solve it is to open a checking account with BMO. I just want to pay my bill every month.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX was paid in full for the buyout of my lease for a XXXX Hyundai XXXX. They were paid via wire transfer and acknowledged the receipt of the money. They then told me that I would receive the title within a week. It has now been 4 weeks and XXXX XXXX has been avoiding and not returning my calls. Additionally, they charged me for expedited document processing as part of the lease end fees at the lease end and obviously failed to process the documents in an expedited manner or at all for that matter.
Product: Consumer Loan

In Reviewing my Credit report I noticed a late fee from TD Auto Finance. I did not recognize them and could not find any contract with them. I contacted them several times to dispute/ find out what it was for and they have sent me several letters to check my contract, they dont have to disclose any information.