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

On XX/XX/2018, I began the process of applying for a Citibank regular checking account and a Citi savings account. I applied as part of a promotion, which required me to maintain {$15000.00} in one or both accounts for 60 days in order to receive a bonus of {$400.00}. The bonus was supposed to post within 90 days of meeting that requirement. 

I deposited {$15000.00} on XX/XX/XXXX and left the money in place for over 60 days. ( 60 days was reached on XX/XX/XXXX and I transferred {$5000.00} out of Citibank on XX/XX/XXXX. ) On XX/XX/2018, 90 days had elapsed since meeting the 60-day requirement, and the {$400.00} bonus had still not been posted. I contacted Citibank customer service, who said they were initiating an inquiry. 

I have read a number of reports online from other individuals who had similar experiences and did not receive their promised bonus until they filed a CFPB complaint. Hence I am filing this complaint rather than waiting any longer on Citibank 's investigation. 

I am uploading several documents. One is the transcript of a chat I had online with a Citibank agent, confirming that the promotional offer is attached to my account. Another document is a PDF containing the terms of the promotion. Finally, I am uploading screenshots of my bank account, showing that I have fulfilled the terms of the promotion.
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Student loan

Originally, I had 60 months of forbearance left on my loan. I had used 17 months leaving me with a total 43. However, they have informed me that they have unilaterally changed the terms of the agreement to reduce this time to 36 months. I asked them why I hadn't been given notice of this event and they stated that only certain borrowers were entitled to notice and I was not one of them. Likewise, they stated that the Master Promissory Agreement states that they can change the terms at any time. However, its hardly seems fair, let alone legal, for an lender to summarily reduce a borrower 's remaining forbearance allotment by more than half. Such a contract term would be unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried numerous time to have two hard inquiries not authorized. One is with XXXX XXXX credit card offer sent in the mail. I already have a XXXX XXXX credit card but they offered an upgrade that I did not get They pulled my report without me being told. This was XX/XX/XXXX. 
The second involves Loan Depot pulling report when their online add for mortgage rates said " no need to pull credit ". This was XX/XX/XXXX. 
After many phone calls to credit reporting companies [ you can't dispute online ] they told me to contact companies directly Guess what?, most popular response was " I will have to transfer you " with no results. If by chance I did not see something in the fine print, I can not even get a response to that. 
After more than 6 hours today XX/XX/XXXX I have had it.
Product: Credit reporting or other personal consumer reports

I ASK THIS COMPANY TO UPDATE MY BALANCE ON MY ACCOUNT XXXX. THIS ACCOUNT WAS WRITTEN OFF AND STILL IS REPORTING ON MY CREDIT REPORT WITH A BALANCE SEEKING REPAYMENT AFTER THIS ACCOUNT WAS WRITTEN OFF. I ASK THIS COMPANY TO UPDATE AND THIS COMPANY SENT ME A LETTER HARRASING ME AND THEY DIDN'T DO WHAT I ASK BECAUSE MY ACCOUNT IS STILL REPORTING A BALANCE, NO INVESTIGATION OR ANYTHING. I WILL ATTACH MY UPDATED CREDIT REPORT TO SHOW THIS. NEXT I'M SEEKING A LAWSUIT BECAUSE THIS HAS TO STOP. THEY ARE NOT FOLLOWING THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account for over a year regarding inaccurate and inconsistencies on my credit report causing my scores to drop. I need to know who currently has this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a screen shot of a XXXX account reporting inaccuracies to all three of my credit bureaus and almost everything single line is reporting something different to all three bureaus. If anything is being reported to my credit bureaus it should be reporting 100 % accurate per the FCRA. This needs to be deleted ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX XXXX XXXX and SCA Collections on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from SCA Collections even telling me they will delete the negative item from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax three Identity Theft Reports, each with a cover letter, a copy of the Identity Theft Report, color copies of my drivers license and social security card, and exhibits of the pertaining fraudulent accounts as instructed on the FTC website. Two of said packets were sent on XX/XX/XXXX, and received on XX/XX/XXXX & XX/XX/XXXX. The third packet was sent on XX/XX/XXXX, and received on XX/XX/XXXX. Following each of the letters, they not only failed to block the information within 4 business days, they sent three of the same letter stating that they are not blocking the information, pursuant to Section 605 ( B ), and proceeded to state what is required under said section. In their letter and in the FCRA, it states that you need to provide proof of your identity, the specific information that is the result of identity theft, and a copy of your complete and submitted Identity Theft Report with the Federal Trade Commission or police report regarding identity theft. I provided those documents. If Equifaxs reasoning lies with needing additional proof of address/identity, I will provide it here, however that is not explicitly stated as a requirement in Section 605 ( B ). I have acted in accordance with the FCRA and Equifax has not.
Product: Credit card or prepaid card

Both myself and my husband opened balance transfer cards with American Express. I transferred {$750.00} to one card in my name and my husband transferred {$1500.00} to a different card in his name. We were suppose to receive a 0 % promotional interest rate on both cards for 12 months. On my first statement, I was charged about {$7.00} in interest, so I called the company and they said they would resolve it. It was never resolved and on my second statement, I was charged another {$15.00}. I did not charge any additional amounts/purchases to the card and I have made all payments a few days before the due date. Similarly with my husband 's account, he was charge {$13.00} on his first statement, and {$25.00} on his second statement after already notifying American Express. We have called in on both accounts twice for a total of 4 separate instances ( each instance of interest charged ). On our most recent call, we were told that it was a known issue and they would credit the account for the interest charged but were unsure if this would resolve future statements and to call if we noticed interest on our statement. I told them that I should not have to keep calling in to have compounding interest removed from our cards and that the amount we were being charged did not even make sense since we keep making payments and we were not making any additional charges regardless of the promotional period. I was told by American Express that they were only able to fix this issue for people who called in. Though I have finally received a credit, I feel that since this happened to both of our accounts, that we will both be charged interest again next month and will have to have it credited again. The credit only happened after I told American Express they had violated the TILA Act as well as the Credit Card Act of 2009 because they originally claimed when I called in that the interest was from the balance transfer fee. My balance transfer fee was only {$22.00}, my minimum payment was {$35.00}, and my on time payment was {$63.00}. With my husbands, the balance transfer fee was {$30.00}, minimum payment was {$49.00}, and his on time payment was {$120.00}. Thus, there should be no interest at all since the over payment should pay for the highest interest balance anyway, and I have a feeling that American Express is charging hundreds, if not possibly thousands of customers with interest that they are not even aware of. The only way to see this charge is if you read the bottom lines of your statement. Most people set up an automatic transfers or purchase additional items and possibly do not notice the inconstancy. I believe American Express is taking advantage of people and breaking the law. Again, they confirmed that this is a known issue and that they can fix it only if you call and argue with their customer service representatives. Though I plan to pay off this card and close it as soon as possible, I feel it is important this issue be reported to help make this right for American Express users.
Product: Debt collection

It started with calls every day to collect a debt with a XXXX mobile. It was linked to the last 4 of my SSN and the call center could not give me any info without an account number. I have never had an account with them or any other affiliated company. The debt people keep calling every day and telling me to get in touch with the XXXX fraud department XXXX So I called the XXXX customer service line and talked to a gal who told me to go into a corporate store and show my ID and they would be able to help me. The store manager lady said there was nothing they could do and gave me a paper with an email to the " Fraud Department ''. They asked me if there was anything XXXX  mobile on my credit report and there was not on any of the 3. Before this, there was never even an inquiry from XXXX mobile on my credit report. Once I sent in the information to the fraud department all of the sudden it hit my credit report. Now I have been tied to fraudulent accounts. I have been to the XXXX mobile stores they can't do anything but give an email to a department that the call center has no clue about. The fraud department keeps sending emails wanting a police report but the police we got a hold of just gave us a number and a letter XXXX  # XXXX, the phone number for this case is XXXX. I am XXXX and have a hard time with all this computer stuff. I just got off the phone with the call center who told me the police will take care of it all. I am so confused and just want this matter resolved! I feel hopeless I worked so hard for my credit score for a company that clearly doesn't check an ID or require a card on file to mess it up. Please Help!
Product: Credit reporting or other personal consumer reports

I have updated information regarding complaint # XXXX. 

Company failed to provide me with the description of the procedures that was performed during the investigation. Which neighbors, friends, or associates of mine did you personally interview to verify the report pursuant to 15 USC 1681a ( e )? Also pursuant to 15 USC 1681a ( e ) such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. 

Please upload description of the procedures that was performed during the investigation here on this portal with the CFPB and mail me a copy. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you.
Product: Debt collection

I received the text messages attached on XX/XX/year> and XX/XX/year> from TSI indicating there's a need to resolve my XXXX  account. There's no detail in the text to let me know exactly what the debt is, but I assume that it's for XXXX XXXX XXXXXXXX, which is a utility company that provides gas to my home. I checked my account and I have a balance of {$0.00}, as it has been on autopay to my credit card for many months. I called the number in the text today ( XX/XX/year> ) at XXXX and spoke with someone named XXXX XXXX She stated that she could not find record of what debt this was referring to and would need my social security number to proceed with finding it. I refused to give that and then asked if I could ignore these texts, and she said I could not.
Product: Checking or savings account

Paypal Credit sold to Synchrony Bank in XXXX I had been in dispute with paypal for not helping me with orders from XXXX that were never shipped. The XXXX orders out of XXXX that never arrived I had to ask Paypal for help under buyer protection they Breached there aggrement and I was told to get help out side of paypal. 
I even Let the Synchrony Bank know I was having a issue with Paypal and to hold on buying my account until it was fixed. They didnt wait so Paypal had locked my account and I had stopped making my Paypal Credit payment because they refused to help me. I never set a account up at Synchrony Bank and paypal had my Bankl Debit card and account at the XXXXXXXX XXXX but my Paypal credit was not set to autopay and there was no judgement against me for the paypal credit account. 
Synchrony Bank was the owner when the major issue started and I had no way to look at my account. At the same time I was having a series of surgerys XXXX total so I was not well and all of the sudden my checking account started over drafting every month not just XXXX time but XXXX and I didnt know Synchrony Bank Got my debit card info from Paypal and they were takling XXXX a month from my bank account without my permission and they had no court order. This stealing of my XXXX protected money in my account went on for over a year. The next thing because of the overdrafts the Bank asked me to get a checking account at another bank I did. Just on XX/XX/XXXX called the Synchrony Bank and asked them about the date the payments on the paypal account it is a old debt and the Credit reporting company is showing the Paypal Credit account on my credit and it is killing my credit the account is past XXXX  years and should not be on my account. The Bank told me my last payment on the account was XX/XX/XXXX which there is no way I had stopped making the payment in XXXX. What had happened is Paypal gave my debit card number to Synchrony Bank and they started taking payments from my bank acount which is the major major problem they took XXXX and the over drafts in that year were XXXX I need this money refunded without delay they had no right to start using my debit card with my permision plus I had to get a new checking account. I have spoken to a lawyer about the taking of my money and the over drafts and forced me to get a new account because of Synchrony Bank using my debit card without permission. I need this money refunded within 14 days or I will retain the law firm and sue Synchrony Bank and Paypal for the entire ordeal. It is criminal what they have done. You just dont start using a debit card and charging me XXXX a month.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with XXXX XXXX concerning accounts that have been charged off. XXXX XXXX has reported these charged-off accounts on my credit report as balances owed, despite having filed them as profit losses on their taxes. I have not received a Form 1099-C from XXXX XXXX for these charged-off accounts. 

According to IRS regulations, when a creditor writes off a debt as a loss, they are required to furnish the debtor with a Form 1099-C to report the canceled debt as income. This allows the debtor to accurately report the income on their taxes. 

XXXX XXXX XXXX failure to provide me with a 1099-C is concerning, as it prevents me from fulfilling my tax obligations correctly. I believe I am entitled to receive this form promptly so that I may include it in my tax filings. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide accurate information regarding debts. Incorrectly reporting a charged-off debt as an outstanding balance on my credit report while claiming a tax loss could constitute inaccurate reporting. 

If XXXXXXXX XXXX  does not furnish me with the Form 1099-C or remove the accounts from my credit report due to inaccurate reporting promptly, I am prepared to pursue legal action for statutory damages. This situation is causing undue stress and financial uncertainty. 

I kindly request your assistance in directing XXXX XXXX to fulfill their legal obligation by providing me with the necessary Form 1099-C for the charged-off accounts. Please advise me on how best to proceed in resolving this matter. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Credit reporting

WANTING TO MONITOR MY CREDIT REPORT DUE TO THE FACT I HAVE BEEN A VICTIM OF IDENTITY THEFT NUMEROUS TIMES HAVE HAD THE COMPLETE PREMIRE PROGRAM WITH UNLIMITED SERVICES CREDIT REPORT. BUT UNABLE TO OBTAIN MY CREDIT REPORT BY MYSELF. HAVE TO CALL IN EVERYTIME TO GET MY UNLIMITED REPORT. WHEN I ORDER MY CREDIT REPPORT ORDER SAYS ORDER ALREADY IN PROGRESS. WHEN I CALL CUSTOMER SERVICE SAID I NEED TO VERIFY INFORMATION. I ORDERED MY REPORT TO NUMEROUS TIMES BUT I HAVE UNLIMITED SERVICE. SO WHY DO I HAVE TO CALL IN BEFORE I GET A REPORT. THIS IS MISLEADING. AND I AM BEING CHARGE XXXX AND XXXX FOR HALF A SERVICE. AND EQUIFAX CUSTOMER SERVICE HAVE SENT UP NUMEROUS TROUBLE TICKETS AND THERE REMEDY IS TO CANCEL MY SERVICE AND REFUSE TO MONITOR MY REPORT. NEVER FIXED NEVER DELETED PREVIOUS REPORT ORDERED. SO IF YOU CAN FIX IT THEY WANT TO CANCEL. THEY ARE NOT PROVIDING A SERVICE. XXXX AND XXXX DO HAVE UNLIMITED SERVICE AND THEY TELL YOU TO REFRESH YOUR REPORT. AND EQUIFAX HAVE BEEN SENT NUMEROUS POLICE REPORTS AND THE FEDEERAL TRADE COMMISSIONS REPORT AND REFUSE TO REMOVE THE INQUIRIES. WHAT I AM TO DO. I CANT MONITOR MY CREDIT WITH EQUIFAX. THEY ARE A JOKE. IF THEY CANT FIX THERE PROBLEM WITH THERE SYSTEM THEY WILL CANCEL YOU. HOW DO I MONITOR MY CREDIT REPORT. WHAT DOES EQUIFAX COMPLETE PREMIER PROGRAM WITH UNLIMITED SERVICE MEAN. IF THEY CANT FIX UNLIMITED ORDERING REPORT AND YOU ORDER YOUR REPORT THEY TELL YOU DONT ORDER YOUR REPORT EVERYDAY EVEN UNLIMITED SERVICE IT IS A LIE. XXXX AND XXXX SAY IT IS 1 DAY SINCE YOU HAVE ORDERED YOUR REPORT REFRESH YOUR REPORT. THIS IS UNLIMITED BUT EQUIFAX SAYS DONT ORDER YOUR REPORT UNLESS YOU GET AN ALERT. BUT YOU HAVE UNLIMITED SERVICE. THEY TELL YOU WHAT AND WHEN YOU SHOULD ORDER YOUR REPORT AND IF YOU ORDER TOO MUCH THEY ARE OVERLOADED AND YOUR SERVICE IS NOT UNLIMITED. THEY NEED TO FIX THIS AND REFUND MY MONEY FOR A YEAR.
Product: Checking or savings account

I work for XXXX XXXX XXXX XXXX as a XXXX, Wells Fargo bank is telling me that I cash several checks twice the first time was on XX/XX/year> and the second time on XX/XX/year>. this is creating and overdraw on my account and Wells Fargo is not giving me a straight answer. I received several checks that were being from XXXX and believe that was the confusion. The Bank has opened 3 different cases and no answer yet. 
I contacted XXXX to advise them of the situation and their answer was, that there was no way a check can be cash or deposit twice due to the fact that cashier keeps the original check once is deposit. all the transactions have been done in person. 
There is an Executive level resolution open at this time with a case number # XXXX  My account is on hold, I am living date to date and the Bank has not respond to my complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the 4rth month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Product: Credit card or prepaid card

In early XX/XX/XXXX I called Capital One regarding a late fee posted to my credit card account. I spoke to a senior rep. who told me my payment of XX/XX/XXXX was credited to the prior billing period and not to XX/XX/XXXX. I got her to review my account and because she saw I regularly paid my bill in the early part of the month she reversed the late fee. I thought it was taken care of. I made my XX/XX/XXXX credit card payment on XX/XX/XXXX. 
On XX/XX/XXXX I received a mobile notification from their phone app that my payment was late. I checked my account and it showed a late fee again. 
I spoke with a rep who told me the fee was because I had not made the minimum payment for XX/XX/XXXX. It was higher because I had not made a payment in XX/XX/XXXX. 
I immediately asked for a senior acct rep ( later identifying herself as " XXXX '' [ employee ID XXXX ] ). In brief, she told me it was impossible for Capital One to reallocate the payment made in XX/XX/XXXX for XX/XX/XXXX. and that in order to solve the problem I would have to make a payment of around {$400.00} before XX/XX/XXXX ( this in addition to whatever minimum required for XX/XX/XXXX )!  When asked she refused to refer me to her supervisor and would not give that person 's name. Like most people, I can not afford an extra {$400.00} due to *their* error.
Product: Credit reporting or other personal consumer reports

A Letter of Intent to File Banking Fraud Charges was written/sent to XXXX XXXX XXXX the President/CEO and received on XX/XX/year>. 

The reporting agencies fail to validate " debts '' repeatedly and refuse to submit the signed Contract and the Purchase Agreement. They also fail to provide their method of reporting, even though specific demands have been made. Lexis Nexis nor XXXX provides a FULL and corrected report either. 

They are in violation of the FDCPA and I demand these " debts '' be removed immediately along with the negative, nonconsensual inquiries. 

If LEXIS NEXIS, XXXX, XXXX AND CFPB refuse to delete these, they will be added to the lawsuit in a Federal Court for aiding and abetting and XXXX.