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

I was targeted by a mailed letter directly from Citibank in XXXX 2015 asking me to open a Citigold account. I was leery of opening a bank account online when I would n't be able to handle my banking in person, but I thought I would give it a try given the incentive made it seemingly risk free. In the mailed letter, Citibank provided me the promotional incentive to open the account in the nature of XXXX XXXX XXXX, upon meeting certain requirements. The code I was told to enter when signing up was XXXX. This was XXXX XXXX, 2015 when I was approved. 

I had never signed up for an account online before, so after finally getting my account up and running, which took a few weeks as Citibank had issues receiving my drivers license fax and then my debit card did not show, I decided to ask Citibank if everything seemed in order with my account. In mid XXXX, I opened a chat window and discussed my new account with a representative who confirmed I was the promotional offer was linked to my account. 

In early XXXX, around the XXXX of XXXX to be specific, after meeting the requirements of the offer, I again was prompted by the Citibank website to open a chat box, so I did, and in that chat the Citibank representative again confirmed that I had met the requirements of the promotional offer and would be receiving the points within 90 days. Lastly, in XXXX I ONCE AGAIN chatted with a representative who again confirmed I was good to go with the offer and would be receiving my bonus offer miles of XXXX by the beginning of XXXX. I thought the matter was settled. 

Now, here we are several months later. I have since paid {$60.00} for what I view as subpar service for my Citigold account, and spent countless hours typing and having my husband call in to Citibank ( I am VERY hard of hearing and struggle on the phone ) to get them to honor what they as a company promised, and what they as a company confirmed on XXXX separate occasions I would receive. 

I did not keep that initial mailing letter ... these now 7 months later. I did keep documents related to my account opening as I do all important documents, but I had never thought I 'd need proof of what Citibank itself offered me. My fruitless correspondence with them so far has seen them request I provide proof of the mailer. I have account opening information as well proof that I was eligible for the promotional from multiple Citibank employees ... Citibank expecting me to hang onto a mailer of an offer they sent me in order to receive what they promised, when nowhere in their terms and conditions is it stated that its required, is simply unjust. 

Between the fees I 've paid, and the unfortunate handling so far regarding this promotional offer, I have already been forced to reconsider my banking option. I know I 'm not alone with my information having gotten lost in Citibank records. 

Lastly, the letter I received insinuating I am lying about signing up under this promotional offer was offensive to me as I always aim for honesty in my dealings. 

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

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit karma consumers who were harmed by Credit Karmas actions, and the company will be prohibited from deceiving consumers about whether they are approved or pre-approved for a credit offer, as well as about the odds or likelihood that a consumer will be approved for a credit offer.
Product: Debt collection

XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES XXXX PORTFOLIO RECOVERY ASSOCIATES ATTEMPT TO COLLECT A DEBT THAT WAS ALREADY REMOVED FROM MY CREDIT. THE ORIGINAL DEBTOR REMOVED THE DEBT AFTER I EXPLAIN THAT THE AMOUNT WAS TWICE THE CREDIT LIMIT.
Product: Debt collection

ARS is attempting to collect a debt that I have repeatedly notified them that I do not owe. This has been disputed and documented several times however they refuse to remove these debts from my credit report. I have requested validation and method of validation as well as disputed with the credit bureas yet these inaccurate and fraudulent debts continue to report.

I have no knowledge of who ARS is or any debt owed to them nor has any PROOF been submitted to me. In addition upon research on their collection agency, I found out that they are not registered to collect any debts in the state of Texas yet they continue to fraudulently post these alleged debts on my credit report stating that it meets FCRA requirements. These alleged medical debts also violate HIPAA privacy rights The alleged debts are as follows : ACCOUNT # XXXX {$560.00} XXXX {$930.00} XXXX {$930.00} XXXX {$480.00} XXXX {$130.00} XXXX {$200.00}
Product: Credit reporting or other personal consumer reports

I would like to express my concern regarding the credit inquiries made in my name. On XX/XX/XXXX, I noticed that my credit information was inquired multiple times across different bureaus, which I consider excessive and unnecessary. These actions have negatively impacted my credit history, affecting my XXXX XXXX. 
The repeated inquiries are not only unnecessary but, in my view, constitute an abuse of my personal information. In this regard, I request that you review and clarify the reason for these inquiries and take the necessary steps to correct any potential errors or misunderstandings that may have occurred during this process.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute a fraudulent account on my credit report, specifically XXXX XXXX account # XXXX. This account is connected to an address that does not belong to me and is associated with a shared account, which I have never authorized. I request an immediate investigation and removal of this erroneous entry from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these accounts and inquiries were made without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5000.00} Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. 

However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. 
I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. 

I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. 

This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. 
This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. 

Please get back to me on how you can resolve this, thank you.
Product: Vehicle loan or lease

I'm reporting bad faith and fraudulent loan practices from Santander Consumer USA Inc. On XX/XX/22, I sent in a letter of rescission per my right under XXXX XXXX after three previous attempts to validate the alleged debt owed on my car. Santander has not responded properly to my letters, affidavits or tabulations of violations to date. The only response concerning my actual request for validation, was a photocopied page of a one signature contract, with a fraudulent finance charge and a positive balance. There was never any notice given to me, neither in the original contract or in my following requests, with the proper full disclosure of the rescission process. According to XXXX XXXX I sent a notarized letter of rescission after learning my rights as a wronged consumer and was completely ignored and they sent me a threat to steal my property via notice to accelerate this month, long after my rescission letter was confirmed as received via certain mail tracking number. The entire transaction concerning my car was fraudulent from the beginning, and thus void from its creation and I'm seeking indemnification.
Product: Mortgage

I previously submitted a complaint with Chase bank, for which they did not remove the fees associated with foreclosed proceedings. 
My acceptance day was XX/XX/XXXX Chase approved it XX/XX/XXXX Foreclosure was file XX/XX/XXXX ( after acceptance ) The rep handling the case is XXXX, her manager is XXXX. 
I talked to XXXX on XX/XX/XXXX and specifically ask her, when does the foreclosed protection starts according to Chase bank, she responded I dont know She is in the executive office and sadly that office is not aware of laws regarding protection from foreclosure. I dont know what investigation she completed cause is in contradiction of the law. 
Foreclosed proceedings and fees associated with it came after acceptance and after approval according to their own correspondence. When I have questions this they do not answer cause they can not explain. 
The specific questions for Chase bank now will be as follows and I am requesting for them to answer : 1 ) Based on dates indicated and that some of your own correspondence indicates why was my loan not protected from foreclosure on XX/XX/XXXX as you clearly indicate was the approval date. 
2 ) according to CFPB protection starts on the acceptance day. Which was XX/XX/XXXX, my file should have not been referred to foreclosure at all. I am requesting Chase to fix that mistake and if Chase is not willing to fix it explain reason why. 
3 ) you have send me correspondence indicating the dates were wrong on based on your own investigation more than once. 
I am requesting for Chase to reach out to that foreclosure dept I was advised by XXXX and for the executive office to communicate to me and to CFPB when does the protection from foreclosed proceedings start, which has to be the same as the law indicates therefore Chase XXXX not in compliance by referring me to foreclosure. I am requesting for Chase to finally fix their mistake and employee mistake as the one from XXXX where she admired over the phone she doesnt know the law in regards to protection from foreclosure. You cant assign someone that doesnt know to fix this issue cause they will continue making the mistake and by that chase bank is breaking the law when it comes to that issue. 
Here is additional info for the rep and for Chase XXXX XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

Previous complaint made about this issue, $ XXXX transaction was made and was unauthorised, they investigated another transaction, and not the large amount that was unauthorised. Time frame for determination has been exceeded, I'm requesting sanctions and a refund for the charges. 
ORIGINAL COMPLAINT : XXXX
Product: Credit reporting or other personal consumer reports

Incorrect account information : XX/XX/24 As of today ; US Department of Education verified that the account below should be deleted, never late, closed. 

Innovis may still be reporting this account inaccurately. 

1. Account : US Dept of Education : XXXX being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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. XXXX  XXXX {$570.00} XXXX XXXX   XXXX {$940.00} XXXX XXXX XXXX  XXXX {$300.00} XXXX  XXXX {$570.00} XXXX XXXX  XXXX {$940.00}
Product: Debt collection

I dispute the accuracy of my credit report, as the listed accounts ( XXXX XXXX XXXX and XXXX XXXX ) are confirmed cases of identity theft, acknowledged by the respective banks. The law requires immediate removal of such fraudulent accounts, and failure to comply will result in necessary legal action.
Product: Credit card

I have been disputing a charge since XX/XX/2023 thru Golden Sachs as my rental car service cancelled. XXXX XXXX XXXX charged me for 1 day for including fees and taxes {$85.00} whereas Golden Sachs which is Apple XXXXCard is keep on charging me back for 3 days for {$230.00} even though i am providing them with a receipt from XXXX XXXX XXXXXXXX  that stats they only charged me {$85.00}. Its my 6th time with them since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions
Product: Checking or savings account

Since XXXX, I have experienced significant issues with Navy Federal Credit Union regarding unauthorized transactions, overdraft fees, and credit reporting inaccuracies. Despite having no funds in my account and locking my debit card to prevent any charges, Navy Federal allowed transactions to go through, resulting in overdrafts and fees of {$20.00} per incident. On XX/XX/XXXX, a transaction was processed despite my card being locked, leading to another overdraft fee. I repeatedly requested Navy Federal to stop all charges, but I was informed that stopping a charge would incur a separate fee for each transaction and that if any charges went through, I would continue to receive overdraft fees. This practice is both unfair and deceptive, potentially violating the Fair Credit Reporting Act ( FCRA ) and the Electronic Fund Transfer Act ( EFTA ), which requires financial institutions to obtain proper authorization before processing transactions. Additionally, Navy Federal may have violated the Truth in Lending Act ( TILA ) by failing to provide accurate disclosures regarding fees and terms. 

These overdraft incidents were inaccurately reported to the credit bureaus, showing that I was over my credit limit on my credit card. This incorrect information directly led to the loss of a job in XX/XX/XXXX, as my employer relied on my credit report in their hiring decision. Despite my repeated efforts to resolve these issues with Navy Federal, no meaningful action has been taken. This ongoing situation has caused me financial harm and significant emotional distress, for which I have had to seek therapy. Navy Federal 's failure to stop unauthorized transactions, properly handle disputes, and prevent ongoing harm also appears to violate California Consumer Protection Laws, which prohibit unfair and deceptive practices.
Product: Credit reporting

ALL XXXX AGENCIES ( EXPERIAN, XXXX, XXXX ) ARE GIVING ME THE RUN AROUND SAYING I HAVE ALREADY RECEIVED MY REPORTS, WHICH I HAVE NOT..THIS IS THE SECOND YEAR IN A ROW..THERE IS NO WHERE ON THE REPORT REQUEST TO DISPUTE IT OR FIND OUT WHATS GOING ON
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an Experian dispute for my XXXX account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with Experian for over XXXX days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a zero balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 or other personal consumer reports

I am writing to formally notify you of a recent data breach that has compromised my personal information, and I believe this breach has resulted in unauthorized access to my credit profile. As a consequence, I am requesting the removal of all accounts, collections, and any fraudulent information associated with this breach from my credit report
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I tried to access my paypal account. I wound up needing to enter a security code that was sent to my landline telephone via a voice recording that I used to sign in to the site. I then tried to use my paypal account for a purchase. I was asked to enter a security code which again was sent to my landline telephone. I tried to enter it but it was rejected. Subsequently my telephone number was also rejected by the site. At this point I contacted their customer service to try to straighten this out. I was basically told that paypal requires a mobile telephone to receive texts in order to use their service. I have been on XXXX for many years and have limited discretionary income. I do not have a cell phone and seriously do not need one. I find this requirement to have a cell phone a bit onerous and discriminatory. 
Paypal customer service offered twice to close my account of twenty years. Twenty years in which I have had no problems with my account until they made rules that exclude me from using their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. )  The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Our son is a 100 % XXXX veteran. He is also on the auto loan with his veteran father, at XXXX XXXX, and he made his auto payment before the due date & over the phone, on XXXX XXXX, 2024. The Bank were closed for XXXX XXXX. The Bank did not credit the auto payment until XXXX XXXX, XXXX Which, made the payment late and a 30 day late payment were added to our son credit report and his father credit report. 
Our son were also in the process of buying a home for the first time under VA. But when the bank added the 30 day late payment to his credit report, his XXXX scores dropped from XXXX points. It does not look good, as he is in the middle of purchasing a VA home. 
We have called and talked with the bank regarding the problem. They refuse to remove the 30 days late charge. Our son is in jeopardy of losing his VA XXXX, because of his credit scores. The Bank did not have a statement on their website, informing the customers who makes over the phone payment, that their payment would not be credit to their account on XXXX XXXX, 2024. My husband and our son have not missed a payment since they open the loan account almost 2 years ago. They both have had great credit history, for many years. My husband tried to refinance the auto loan with his name only at XXXX XXXX on XXXX XXXX, 2024. But he was denied to do so, by XXXX XXXX. My husband still has good credit, ( even after the 30 day late charge ), and he has great income to refinance the loan on his own, but he still was denied by XXXX XXXX. What they are claiming for denying his refinance as, slow credit, is not true! Not XXXX of his accounts has been late or slow, except the 30 day late charge XXXX XXXX just added to his account a XXXX ago. 
Also, does XXXX XXXX only give some of their customers relief after a " XXXX XXXX ''? I mailed all our creditors letters after a large tree fell onto our home doing hurricane XXXX. I then called, and asked what are their rules and regulations of the type of service they could offer to the customers whom affected by a XXXX XXXX? I asked for a little patient and understanding as we try to recover. I was told that someone will call me back on that, but no one never did. We feel XXXX XXXX has discriminated against us. We would like for the 30 day late charge to be removed off our credit history asap. And, we would like to be made whole with our credit scores at the credit bureaus. 
Thanks, for your attention to this urgent matter.