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

I opened checking account with Citi based on their promotional offer. I moved $ XXXX into the account back on XXXX 2022 and kept money in the account through now start of XX/XX/2022. The last interaction with Citi was via their internal website chat where I was told I'd expect my promotion bonus ( {$300.00} ) by end of XXXX. I am still waiting. This is the XXXX time Citi has refused to pay out a checking account bonus to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries from XXXX  XXXX and XXXX XXXX XXXX
Product: Debt collection

I RECEIVED A NOTICE BY MAIL, ACCORDING TO THEM IS THE SECOND NOTICE, FOR ME IS THE FIRST ONE THAT I RECEIVED, ABOUT A MEDICAL BILL THAT WAS UNPAID FROM 2012, THIS IS THE FIRST TIME THAT I HAVE KNOWLEDGE OF THIS UNPAID BILL, NO PREVIOUS BILL WAS RECEIVED BEFORE, I ALWAYS HAVE TAKE GOOD CARE OF MY CREDIT AND PAY ALL MY BILL ON TIME, BUT, WHAT IS CURIOUS IS THAT I HAVE MEDICAL INSURANCE THAT COVER ME 100 %, AND IF I WOULD HAVE RECEIVED ANY BILL BEFORE, I WOULD HAVE CALLED TO LET THEY KNOW THAT I HAVE INSURANCE AND MY INSURANCE WILL COVER EVERYTHING. 
I WRIGHTED TO THE COMPANY WHO SENT THE LETTER, ASKING FOR MORE DETAILS ABOUT THE NOTICE, BUT THEY DIDN'T ANSWER ME YET. BUT THEY REPORT ME TO MY CREDIT WITHOUT ANY NOTICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report is showing the same account twice for security finance. Both are filed as charge off accounts but I only have one account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX data breach showing inaccurate information not know to me best of my knowledge ftc, hippa and fcra violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX Syncb/Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/TJX Co Dual Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/Paypal XXXXXX/XX/XXXX
Product: Credit reporting 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. 

AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was called by Alum Financial a loan consolidation company that acts as a servicer for student loans as well. They told me I was approved for loan forgiveness of {$6000.00} on my consolidated loans from XXXX down to XXXX if I started making monthly payments of {$150.00}. I made a total of four payments to them none of which were reported to the Federal Student Aid or my appointed servicer XXXX  ( whom of which I just found out is my official servicer appointed to my by the FSA ). It still showed my total amount owed before I started making payments as still the same. I asked them where my money is going and they sent me a receipt for my payments while avoiding two of my questions. I contacted the Federal Student Aid as well as XXXX both whom which told me they had never heard of Alum Financial. I was also told by both companies to contact my bank and stop all payments to them. So I stopped making payments. I recently received an email from Alum Financial that stated this could damage my credit and and garnish my wages if I did not update my bank information. After contacting them about this matter they said my loan would be paid off after completing the XXXX payments I owe them. They threaten late fees and fines for missed payment and was told by the FSA that no official servicer would ever charge fees of fines. I don't feel comfortable sending them anymore money and I would prefer to work with my servicer that works with the Federal Student Aid office.
Product: Checking or savings account

On XX/XX/XXXX I sent a wire for XXXX. The wire was on hold. I called citi to inquire about XXXX pm EST. They advised I would have answers within XXXX hours after a full fraud verification check. I called back again XX/XX/year> am around XXXX am. The rep said he would have the issue resolved in XXXX minutes releasing the wire. I called again after XXXX hour and the rep then advised it he would have this resolved XXXX hours. I logged in to see if it was resolved around XXXX. And my account access was blocked. I then received an email stating my XXXX wire was canceled because Citi could not get ahold of me. I then called again and submitted a ticket to the executive response unit. Citi reference number XXXX. They said I needed to supply a reference number in my voicemail. I checked the voicemail and had no missed calls. I then made a call and they said I'll receive a letter in the mail with reference number. I have called 8 times and have no results. Meanwhile I have XXXX locked up.
Product: Checking or savings account

I am the victim of identity theft. Someone has my SSN and personal information and is using it to try and open bank accounts and credit cards. My experian credit report showed a hard inquiry from : XXXX XXXX XXXX CITIZENS BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX That was not made by me, this account or activity with this bank is fraudulent, that's what I'm reporting.
Product: Credit card or prepaid card

I did not have a previous balance from a prior month, but I was still charged interest for purchases that I made, despite the fact that my bill was paid in full by the due date and prior to the statement closing date.
Product: Debt collection

Yes. Red Cedars Associates in New York should be shut down. They affiliate with XXXX XXXX XXXX another corrupt company. They called me said they would serve me papers on this date, and would not disclose who they were. They pretend to be a law agency and they are not. They scare people and what they do is illegal and should be shut down.
Product: Credit card

talked to lady from XXXX rewards credit card and nothing got done and never got the XXXX like they told me that they were going to give me I am thinking about closing this account because they lied to as a bank an the lady that reviewed my case never even got with me after I had called her bank very bad bank and I do n't recommend it to anyone.
Product: Mortgage

My mortgage payment increased 11 % ( {$390.00} ) from the XX/XX/XXXX statement to the XX/XX/XXXX statement. This is an increase of {$4600.00} annually. There has been no justification for the increase in payment from NationStar/Mr. Cooper. Last year 's ( XXXX ) annual increase in local property tax was {$1300.00}, and the year prior ( XXXX ) was {$130.00} annually. 
There has been no increase in home owner insurance policy. 
By my numbers, NationStar/Mr. Cooper has taken it upon themselves to increase my monthly payments in excess of {$3000.00} annually. This appears to be highly correlated with the CARES act and other borrowers utilizing forbearance. 
I don't believe the mortgagees should be responsible to the mortgage lenders to cover their lack of funding needed to continue their business practices.
Product: Credit reporting or other personal consumer reports

I SUBMITTED A COMPALINT NUMBER XXXX REPORTING A FRAUDULENT REPORT, TRANSUNION UPDATE THE WRONG INFORMATION, THATS ILLEGAL IF THE INFORMATION IS INACURATE THEY HAS TO REMOVED NO UPDATED INFORMATION, DEBT COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX THEY CHANGED THE STATUS FROM OPEN TO CLOSE, THI IS ILLEGAL UNDER 15 USC CODE 1681S-2 & 1692G TO GET IT DELETED ASAP, THEY UPDSATE TO CLOSE, THIS IS ILLEGAL AND STILL HURTING MY HABILITY TO GET CREDIT APPROVALS
Product: Payday loan

I have scam companies calling me at all hours of the day on my personal cell phone, my work phone and now my husband 's personal cell phone. They claim that they have papers to serve me either at my work or my residence on a bill that I do NOT owe. I only have my monthly bills which are paid in full every month. These people need to be stopped. They call from multiple numbers and wo n't stop calling even when told to do so.
Product: Credit reporting or other personal consumer reports

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely, Experian ( or the appropriate credit bureau ) Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information on my credit report. The item in question is listed under XXXX XXXX XXXX XXXX. Based on my records, I have identified the following errors that need correction : 1. Charge-Off Amount Discrepancy : The report states that {$8200.00} was written off, but the past due balance is listed as {$8100.00}. These amounts are inconsistent, and I request validation of the correct amount or immediate removal of any inaccurate data.

2. Status Update Date Discrepancy : The report indicates that the status was updated in XX/XX/XXXX, but the balance was last updated on XX/XX/XXXX. If the account was truly charged off in XX/XX/XXXX, then further updates to the balance should not have been made. Please verify the accuracy of these updates or remove the incorrect reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide verification of the reported information. If you are unable to verify the accuracy of this data, I request that the incorrect information be deleted from my credit file. 

Please complete this investigation within the legally required 30-day timeframe. I have attached copies of my credit report highlighting the disputed items for reference. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the results of your investigation. 

Sincerely,
Product: Credit card or prepaid card

On XX/XX/XXXXXXXX XXXX I purchased a XXXX Visa gift card from my local XXXX Pharmacy store. The gift card amount was for {$500.00}. I used cash to pay and the total amount with activation fee included was {$500.00}. The receipt showed the card was activated and checking the gift card balance shortly after the purchase showed the correct amount of {$500.00}. 

However, I have tried making multiple purchases through different vendors and none of them can be processed. A similar error shows up during each attempted purchase. Either it's an invalid billing detail error or payment error. 

I have repeatedly tried contacting XXXX to get in touch with a customer service representative and can not get in touch with anyone. I have left messages but the phone number provided on the back of the card is fully automated and never helps resolve the issue. They do not provide any other contact information on their website. 

The purchases I have attempted were all through reputable companies where these Visa Gift cards are widely used and accepted. The first one I tried was on XX/XX/XXXX for the amount of {$470.00}. And it was declined for invalid billing details. The most recent attempted purchase was XX/XX/XXXX for the amount of {$290.00} and was declined for payment error. As of XX/XX/XXXX, the gift card balance shows {$500.00} on their website XXXX
Product: Credit reporting or other personal consumer reports

There are currently loan reporting on my credit I do not know of or took out I never been to school in 2017 the fact that I was busy having my first child I never co sign or told anyone to use my information to get a loan. Although there are in good standing there are still invalid and unknown please remove the following : DEPT OF EDUCATIONXXXX Acct # XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$4400.00} DEPT OF EDUCATIONXXXX XXXX {$6300.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} DEPT OF EDUCATIONXXXX XXXX {$6000.00} DEPT OF EDUCATIONXXXX XXXX {$3500.00} The loan show up 6 times with different amounts
Product: Debt collection

On XX/XX/XXXX a refund check was sent to me from XXXX XXXX because I obtained a new homeowners policy with XXXX before the XXXX XXXX policy expired. XXXX XXXX without authorization issued another policy which caused this financial hardship. The COVID19 Pandemic started adversely affecting our home financially, but once it was understood of the mix up we have made every attempt to resolve the matter amicably. XXXX XXXX sent the matter to Credit Collection Services ( CCS ) in the amount of {$1300.00} of which {$99.00} has been paid leaving a balance of {$380.00}. The Pandemic is still affecting out family financially, but have been paying {$120.00} every month and only have 3 more payments of {$120.00} left to pay. Now ( CCS ) has placed a negative account on my credit report to make our families financial situation even worse when we try to recover financially after the Pandemic. The refund is clearly not our error and XXXX XXXX is receiving a direct deposit from me every month. There is also FALSE information on CCS statement XX/XX/XXXX it states we canceled the policy with XXXX XXXX in XXXX that is FALSE because we never requested a new policy
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$39000.00}.
Product: Credit reporting or other personal consumer reports

In XXXX, my credit report shows two different amounts from Ed Financial. I have emails from Ed Financial confirming one of the amounts, but my report shows much more than they confirmed. I disputed it with XXXX and they denied it. They claim they only enter what Ed Financial tells them. They kept both amounts on my credit report. Both XXXX, and Ed Financial keep sending me to talk to each other with no resolution. This additional amount shown in my XXXX credit report is affecting me and nobody is helping me resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX AM WRITING THIS ON MY OWN BEHALF WITHOUT THE ASSISTNACE OF ANYONE ELSE. In accordance with the Fair Credit reporting act 15 USC 1681 section 602A States that I have a right to privacy. The reporting of the account below are a violation of my prvacy. 

I have attached the documentation to reflect the incorrect reporting of the following accounts. The following accounts need to be removed right away due to being incorrectly reported and also as a violation of my privacy, I did not give XXXX, XXXX, or XXXX written permission to publish this information. Per 15 USC 1681 Section 604 a section 2 states and agency can not furnish an account without my written consent.. TRANSWORLD SYSTEM ACCT # XXXX this account does not belong to me please remove it. FILE ATTACHED ... .... XXXX XXXX XXXX XXXX # XXXX this account is not valid please remove or provided the means by which you verified this account, I want the names numbers and address of the person you spoke to in order to verify this account. FILE ATTACHED ... ... ... .DEPT OF EDUCATION ACCT # XXXX in the amount of {$1100.00} This account has XXXX different account status types across each agency. XXXX has the account listed as refinanced XXXX has the account listed as paid and XXXX has the account listed as derogatory. Payment status is listed as current with XXXX XXXX has the account listed as a collection/chargeoff and XXXX has this account listed as late 120 days. Update this account to current or remove the entire account for inaccurate reporting. FILE ATTACHED US DEPT of ED account # XXXX in the amount of {$1100.00} this account is reporting incorrectly on all three reports. The payment status last date active and date of last payment show three different date. Remove this account
Product: Credit reporting or other personal consumer reports

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX  all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to Trans Union, XXXX and XXXX. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate.

Remove these accounts immediately : XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised some time ago, and the aftermath had me fighting for my identity back. My first order of business was to dispute unauthorized accounts and inquiries. However, the 3 major credit bureaus response was account ( s ) verified. The accounts in questioning are as following, ( 1 ) XXXX XXXX XXXX  XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$3600.00} ( 3 ) XXXX XXXX   {$830.00} ( 4 ) XXXX XXXX {$440.00} ( 5 ) XXXX XXXX {$86.00} In regards to the accounts above and the 3 bureaus, I'm requesting the Method Of Verification used to verify the above accounts. I would like to know what employee spoke to whom, and by what means of communication, phone, text, letter, fax, email, physical documentation, etc. What date, day, and hour. What physical documentation verified these accounts. In accordance with the FCRA laws I'm requesting all the above and if this is not provided to me then I'm requesting for the above accounts to be blocked. As a consumer and a victim I'm within my nature rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient has failed to validate these accounts on my credit report. As seen by several attempts, Navient has either overlooked or ignored my requests several times to validate these accounts. Yet, they continue to report these account to my credit reports. 

XX/XX/2019 & XX/XX/2019 i sent a request for validation to Navient & Sallie Mae asking for an instrument of indebtedness.Both Navient & Sallie Mae have failed to respond correctly to each of these letters. Sallie Mae never responded and Navient responded " stating that if i wanted to discuss this account to contact them '' ... ... ... but I'm making contact with you through the letters, this response was in response to correspondence I sent YOU ... 

Navient is reporting these accounts to my credit reports without validation to me, without an instrument of indebtedness showing that these accounts are indeed mine. 

Futhermore, when i have disputed with the credit bureuas XXXX, XXXX  and XXXX  ... they have all came back and said that the accounts have been verified but none of them can show any proof of what that means. 

IT HAS NOW BEEN BEEN 107 DAYS SINCE I SENT MY FIRST REQUEST FOR VALIDATION TO NAVIENT AND SALLIE MAE AND TO THIS DAY NEITHER HAS VALIDATED THIS ACCOUNT, NEITHER HAS SHOWN THIS INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM. 

Navient is falsely reporting open and closed accounts on my credit reports. 

The following accounts are being falsely reported. 

RE : Account # # XXXX ( All accounts fall under this umbrella ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX