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

In XX/XX/XXXX I signed up for a bonus with Citi in which if I opened an account with at least {$200000.00} and leave the funds in my account for 6 months I would get a bonus of {$1500.00}! in XX/XX/XXXX after the 3 month period, I contacted CITI because my bonus was not credited to my account. They said that my bonus would post within 30 - 90 days which essentially meant i would have to keep my money in there for as long as another 3 months! This in itself was already a red flag and a very unethical way of doing business. So I waited and 90 days later i called again this time my Account Manager who oversees my account XXXX XXXX XXXX XXXX : XXXX. He had me put on hold for a very long period and hung up the phone. I called again and left multiple messages but no response. I sent him a few emails as well and he just disappeared. I was totally lost as now I know I have been totally scammed. So I quickly wired $ XXXX out of the account leaving the minimum of $ XXXX to meet the requirements of the Priority Account. I subseuquently called again and again and each time I called CITI customer service i was told that Yes I did complete the bonus program but they were unsure why i wasn't paid. I waited and waited and finally a couple of months ago, a letter was sent to my home address - but i was in XXXX for 4 months and did ' ; t get it till i returned last week. the letter stated that because I had another CITI account i was no eligible! I was like what?? So if i was no eligible ( which i am sure they are lying and using that as an excuse ) then why take my {$200000.00} deposit in their bank and kept it for almost a year? If i was not eligible then they should not have approved this account opening under this program! How can you approve the account, take the $ XXXX and not pay any interest and at the end of the day tell the client that Sorry you were not eligible - while the other customer service agents on the phone i had spoken to said that I had met the requirements according to their data they were looking at. I find it a total scam and I am really upset that CITIBANK, such a huge global bank would try and pull something like this on a client that has banked with them for so many years! I would like for you to help me get this bonus paid because i had met the terms and conditions and if i didn't meet the T & C they should never have approved the account in the first place being such a huge amount i had opened the account with. 
So far the interest that I had been paid for the $ XXXX was {$21.00} in XXXX and {$6.00} XXXX XXXX - this is really ridiculous and I hope you can set this straight with them and have them honor the bonus program and pay up.I looked at the promo code that the letter they sent me and the promo is for XX/XX/XXXX through XX/XX/XXXX, Its obvious they don't even know what to do using a code for a current promo but my promo was for XXXX!!! Clearly they don't know what they are doing!! 
Thank you in advance for your help and I look forward to favorable news..
Product: Credit card or prepaid card

On XXXX my Bank ( Truist ) emailed me a notice of Suspicious activity on my debit card ending in XXXX. I called them to confirm it was XXXX. They killed the card and sent another card to me by mail. I never received the replacement card. 

On XXXX my Bank send me another notice of Suspicious activity on debit card ending in XXXX. This card is the replacement card for the other card ending in XXXX. 

I called the fraud department XXXX and there were 14 fraudulent transactions on my account with the XXXX-card totaling {$4200.00} that were done on XXXX. 
They told me that they killed my card, and they will reissue another card. They told me all of the 14 transactions were pending, and I would have to call back when the charges cleared my bank to start a claim. I called back when the charges cleared to start the claim. They told me that they would do an investigation. 

I got a response from the bank saying that the claim was denied. 
Come to find out whoever set up my initial claim # XXXX put in the claim that I was in possession of the card, which is false. I never did receive the card. So, when I received this information, I called the fraud department again to have them change the claim paperwork. I have called several times in the following weeks, many times not getting through to them at all. Finally, I got in touch with them, and they said the claim was denied. How can they deny the claim if they are the ones telling me about the suspicious activity? 
I never received this card! There were several transactions at merchants who have surveillance systems. They never once reached out to these merchants to look for any proof, so they did no investigation at all. 

I filed a Police report with the XXXX XXXX  Police Report # XXXX Financial Crimes Unit XXXX sent email to XXXX Have not gotten an response back from them at all. 
I would like for them to check the surveillance activity on this day at these merchants to prove It was not me making these purchases. 

I want to be reimbursed for all of the fraudulent charges. {$4200.00}
Product: Debt collection

Recently a this company has been spam calling me and texting me, making threats against my Credit and continuing to contact me after requested not too. Over mulitple expired debts. They claim I owe over 600 $ for a phone bill with XXXX. I and over 1000 $ for a phone bill with XXXX and making threats that they will attack my credit score to intentionally drop it to damage my life if I do not pay. They have called and texted me multiple times everyday for the past 3 weeks since XX/XX/XXXX to XX/XX/XXXX. Even after being requested to stop all contact around XX/XX/XXXX. Thus many Laws have been broken by this company, and they keep trying.
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/2024, I contacted the company and spoke with XXXX a representative, and explained that I was struggling to make my current payment right now due to some financial issues and asked if my payments could reduce my payments from {$210.00} to {$110.00} a month or lower. 

XXXX said that could not be done. On XX/XX/2024, I received a call from a representative of the company by the name of XXXX and she reiterated the same answer as XXXX, but that I could make payments at a specific date of the month, but I would have to make the full amount of {$210.00}. This is still not acceptable to me due to my situation.
Product: Debt collection

I received notice about an alleged debt reporting on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practice Act ( FDCPA ) validation of the debt section, 15 usc 1692g, I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefore I demand VALIDATION and VERIFICATION of this alleged debt.

I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the BILL OF SALE associated with this alleged obligation, as it is my right to request information because the burden of proof is on you to prove to me that I own this alleged obligation. You have 14 days pursuant to UCC Article 9-210 to provide this information
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was discharged in my bankruptcy case ( XXXX District of IL XXXX ; discharged XX/XX/2008. ) It was dischargeable under the Bankruptcy Code as it was a private educational loan that was issued in an amount greater than the Cost of Attendance at my school ( I had already received a Pell Grant and Federal Student Loans directly from the college up to my Cost of Attendance that same semester ). Notwithstanding the bankruptcy discharge, this debt continues to be reported on my credit. I have disputed this debt multiple times with all 3 credit bureaus to no avail.

This debt originally had a co-signer, and while it may be appropriate to continue to report on behalf of the co-signer, it is no longer appropriate to report it under my name.
Product: Credit reporting or other personal consumer reports

Good morning, I have 2 missed payments shown on my credit report for my USAA Auto Loan. I thought I had paid it, but if I was truly late, is there any way to remove those two impacts on my credit report? 

I am trying to rent my own apartment, and it's my credit history that is jeopardizing that for me. I really hope that you all can help me with this situation. 

Thank you so much! 

Payments missed : XX/XX/XXXX and XX/XX/XXXX. 

I am currently in good standing with my auto loan. I pay before the due date and have a stable great job where I am now able to pay down my loans. 

USAA XXXX : USAA FED SVG BK- XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX ) XXXX This will honestly help me so much! 

Thank you tons!!
Product: Money transfer, virtual currency, or money service

This is a complaint against Paypal. I have been using Paypal for more than 3-4 years now and for the last year, since the pandemic, I have been actively using Paypal and its services to buy/shop things, transfer or send money to friends and family. But then all of a sudden, I get an email from PayPal that my account is permanently limited and that I won't be able to use it anymore. I won't be able to send/receive money and if that wasn't enough, they mentioned that I won't be able to transfer/withdraw the amount that I have in there! How is this not extortion? I tried reaching out to them because I still believe this is a mistake but after multiple phone calls ( on average lasting about 2.5 to 4 hours ) and attempts to reach them, I still haven't talked to a single person or heard from them. As a last resort, I had to try you guys out and check if you guys can intervene and help me sort this out. My email address associated to the Paypal account is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Debt collection

I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES
Product: Mortgage

please i am leaving this message because i was with greentree then they sold to ditech they stated they would honor the mortgage modificationn at the end of 2014 now the company says i owe them XXXX dollars for escrow they are charging and adding to my mortgage i have been paying mortgage for 20 years This has never happened i paid the amount that i always pay
Product: Mortgage

Our current mortgage lender ( MR COOPER ) claims we currently owe {$470.00} under " lender paid expenses '' originating from a charge from our prior mortgage lender ( XXXX ). Our prior mortgage lender claims the {$470.00} charge was waived before the loan was transferred to our current mortgage lender. Our current mortgage lender claims the fee was charged back after it was transferred ( they confirmed the fee was waived prior to transfer ). Our prior mortgage lender claims it was NOT charged back after transfer Our current mortgage lender refuses to waive the fee and says a resolution will occur if our prior lender pays {$470.00} or if we pay {$470.00} to the current lender. Our prior lender will not pay this amount as it says the fees were waived before transfer of the loan to the current lender. 

I have been trying to resolve this issue between the 2 lenders since XX/XX/23 via emails, calls, and chatbot. I have documented all correspondence in the following word attachment labeled " XXXX resolution attempts. ''
Product: Credit reporting or other personal consumer reports

I have sent over 5 separate request asking for federal law to be applied to my credit report based on XXXX. I provided the attestation form the organization and my ID. They keep asking for the same information that I have sent them several times in response to their request for additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX for XXXX, XXXX XXXX  for XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Transcript Follow along using the transcript.
Product: Credit reporting, credit repair services, or other personal consumer reports

145.5 millions of Americans identity has been compromised by hackers via the Equifax data breach and I have been a victim of that breach inwhich has my credit file damaged with negative information, accounts inwhich shall be removed and blocked immediately. 

1 ) XXXX {$940.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with Experian that is being shown as current when it was really closed in XX/XX/2013. They finished their dispute and have left the account open. It is materially effecting my credit. 

The account in question is with XXXX for {$16000.00}. I have reached out to XXXX and they have provided a letter stating it was closed in XX/XX/2013. 

Please help in getting this removed from my report. 

Thank you XXXX
Product: Debt collection

This letter is regarding account # XXXX with Prestige Financial Services, which you claim my account was Charged Off with a balance of {$8300.00}. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX XXXX and XXXX  ) This account should not be on my credit report at all. I am a Deputy Sheriff and this is affecting my ability to get a mortgage amongst other things. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from Heights Finance
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
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  Subject : Dispute of Charge-Off Under 15 U.S.C. 1666a Alleged Illegal Down Payment and Unauthorized Credit Inquiry Dear XXXX XXXX, I am writing to formally dispute the charge-off on my credit report related to my account XXXX. I assert that the charge-off was based on a down payment that I believe was inaccurately deemed illegal, coupled with an unauthorized credit inquiry. I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666a, to address and rectify these issues.

Account Number : XXXX  Date of Charge-Off XXXX XXXX I recently discovered that the down payment made on XX/XX/2023 has been incorrectly categorized as illegal under the Fair Credit Billing Act. I believe this mischaracterization has led to the unwarranted charge-off on my credit report. Attached herewith are documents supporting the legality of the down payment, including receipts and relevant transaction records.

Additionally, I have reason to believe that an unauthorized credit inquiry was conducted in relation to this account, which may have adversely affected my credit score. I request comprehensive details on the nature and purpose of this inquiry, as well as any documentation proving the authorization obtained for such an action.

In light of the aforementioned discrepancies, I kindly request a thorough investigation into the circumstances surrounding the alleged illegal down payment and unauthorized credit inquiry. I am entitled to fair and accurate reporting of my credit history, and it is crucial that these matters be promptly addressed and rectified. 

As a remedy, I am seeking the removal of the charge-off from my credit report. I kindly ask you to correct any inaccuracies and update my credit report accordingly.

Please provide documentation supporting the charge-off, details regarding the down payment 's legality, and information on the unauthorized credit inquiry. Additionally, I request copies of any agreements, statements, or correspondence related to this account. 

I am aware of my rights under 15 U.S.C. 1666a and expect your timely response to this dispute. Your cooperation in resolving these issues promptly is appreciated. Add I wish you to cease and desist. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX contacted myself, my husband, and my son 's father to get ahold of my son concerning an advance payday loan from XXXX for {$130.00} from XXXX 2014. 
XXXX XXXX XXXX stated that my son committed fraud against me. XXXX XXXX stated that he worked for the Oracle Financial Group in accordance with the XXXX County Courts. He will be changed through the XXXX County Courts if my son, XXXX XXXX, does n't call by XXXX XXXX. That was the message left on my husband 's cell phone for me. 
When XXXX XXXX called me directly, he said about the same thing, but XXXX XXXX had to call him back by XXXX or he would have the sheriff 's department go and arrest him at work and XXXX would lose his job. 
XXXX XXXX also knew all of my previous last names, my birthday, and my social security number. XXXX XXXX also stated that he would have me arrested if XXXX did n't contact him. I am XXXX and makes me afraid because of his tone and threatening attitude. He also knows my address. 
I do not want this company or anyone associated with the Oracle Financial Group LLC to ever contact myself, or other family members again.