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

On XXXX XXXX, 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. Along with XXXX bill payments I must also complete {$1000.00} in debit card purchases. I completed all requirements to receive this bonus. 

After enrolling with the promotion code via calling Citi directly, I contacted Citi a few days later and received re-confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I fulfilled all terms of the offer and I expected to receive my bonus points. 

On XXXX XXXX, 2016, I still did not receive my bonus points as promised so I Secure Messaged Citi. 

On XXXX XXXX, 2016, I received a message from XXXX at Citibank that an internal investigation was opened. 

On XXXX XXXX, 2016, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a promotion offered in conjunction with the opening of your account. '' On XXXX XXXX, 2016, I appealed this denial by calling XXXX, citing written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, My appeal was denied. 

Since I disposed of the original mailer after opening my account, the supervisor at Citi said that her options were exhausted. This is even though I received multiple confirmations from Citi representatives that my account was linked to the promotion. My welcome package also confirmed the XXXX promotion, even mentioning the promotional code I provided when opening the account. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. I believe these practices are intended to be protected by the California consumer legal remedies act. As a consumer, I just want to be treated fairly and have promises honored.
Product: Checking or savings account

My issue is with paypal. I sell items online, specifically in this instance it was on XXXX, First all of my listings are no refund no return all sales final clearly stated on every listing. Someone bought a pair of shoes from me and after shipping said that they wanted to cancel the order. I replied to them immediately and informed them of my stores policy and did not hear back, then XXXX weeks after delivery they contacted whatever financial institution they used to purchase the shoes and fraudulently claimed that I said they would receive a refund which is a complete lie but paypal released the funds to them even though I have undeniable proof the buyer was committing fraud. I also had a representative from XXXX contact paypal and confirm the situation and XXXX also confirmed that the buyer was lying and have since banned them from using the XXXX site. Paypal has not returned the funds that they allowed to be fraudulently taken and the buyer kept the shoes as well and paypal charged me for them investigating the fraud that they allowed, bringing my financial loses to almost XXXX XXXX I have full evidence that fraud was committed and paypal went along with it. criminal charges need to be brought against paypal, the buyers card issuer and the buyer himself. This is theft, bank fraud and cyber crime
Product: Mortgage

We had our Mortgage with Wells Fargo on our home from XXXX until approximately XXXX. We requested a forbearance plan and submitted all our income data and everything they needed to show that our income had lowered due to a loss of job. Our pay was cut in half. They sent back a letter saying we weren't qualified which was crazy because of our income. We ended up having to file for Bankruptcy in XXXX and tried to keep the house and made the large mortgage payments for a little bit but had to give it up. Thru the foreclosure they sold it for half the price that was left on our mortgage. I'm not sure why they wouldn't work with us, we would have been able to afford the house had we been offered the amount they sold it for. They took a loss on the home, why couldn't they take it for us when we'd been with them for so many years. 

Thank you!
Product: Credit reporting

I have recently been informed that there is negative information reported by XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Legally paid in full for less than the full balance, closed. I am unaware of Legally paid in full for less than the full balance, closed with this company. I contacted this company via certified mail asking for validation of the debt which was not provided to me. Additionally, please provide the name, address and phone number of each person who personally verified this account, so that I can inquire about how they " verified '' the alleged account, without providing any proof, bearing my signature. An employee looking at a computer screen, seeing my name listed in their database is NOT verification or validation of any debt. Please validate this information with XXXX In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 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.
Product: Vehicle loan or lease

I settled a car loan with US Bank on XX/XX/2020. At the time, I was told that the title to my car would be released and that I should receive it in approximately 30 days. Over 30 days passed without receipt of the title, so I called again and was told that the title is being requested again and now I should wait another 30 days. As of today, XX/XX/2020, I still have not received the title. I called Florida XXXX and inquired about the title today. I was told that the lien has not been released. I called US bank again today, spoke to a gentleman named XXXX who informed me he would submit the request for the title today and for me to expect it in 30-45 days. 

Clearly, US Bank has no intention of releasing the title. A title request is a task they perform on a daily basis, so there's really no excuse for this other than they intend to give me the run-around about it. 

I am requesting your assistance with the title request since US Bank has apparently forgotten how to perform this simple task.
Product: Money transfer, virtual currency, or money service

Missing money XXXX XXXX XXXX
Stolen paychecks XXXX XXXX XXXX
Calls
Product: Debt collection

I have no contract with National Enterprise Systems, I do not know how they obtained, t my personal information. The law states. Can they please provide me with my any documentation giving them consent to contact me, and provide any contract I have with them with my wet ink signature. This debt is not mine.

18 U.S. Code 1028A - Aggravated identity theft-a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I have not given my authority or consent to possess my personal information. Furthermore this alleged debt collector is in violation of the following FDCPA Laws : 15 United States Code 1692c- ( a ) Communication with the consumer generally 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. Code 1692d - Harassment or abuse- ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692f - Unfair practices- ( 7 ) Communicating with a consumer regarding a debt by post card.

15 U.S. Code 1692f - Unfair practices- ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

As a reminder You are in violation of the FDCPA and you are binded by the arbitration agreement of the original XXXX XXXX XXXX. I know you paid pennies on the dollar for this debt and do not want to pay fees to initiate arbitration. I am giving you this one last chance to remove this debt, and do not resell this alleged debt or I will begin the arbitration phase. You have been put on notice.
Product: Debt collection

I do not owe this company any money I do not have a contract signed with this company. I request they delete this account off all 3 credit reports. Delete now please
Product: Credit card or prepaid card

Target called me and reported I filled out application for XXXXXXXX XXXX XXXX  with my SS #, Address, personal info. XXXX XXXX all checked my credit per XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Amex, inquired on XX/XX/2022 Business type : Bank Credit Cards In accordance with the Fair Credit Reporting Act 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was used to open XXXX XXXX XXXX credit card ( account # XXXX ). I attempting to put a dispute in with XXXX XXXX XXXX multiply times to no success. The company is ignoring my claim that this account was opened fraudulently and is holding me accountable. This is also being reportedly negatively on my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away 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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Recently I reviewed a copy of my credit report and noticed several inaccuracies on my account. 
This is hurting my ability to obtain credit. It is my understanding that you will investigate the item listed for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows late payments that arent accurate. Ive disputed these with the credit bureaus, but the issue still hasnt been resolved. The account in question shows late payments, even though Ive always paid on time as agreed. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.
Product: Mortgage

This complaint is regarding PHH Mortgage.

I received a check from PHH Escrow Analysis Department on XX/XX/XXXX with the check number XXXX. The value of the check is {$6700.00}. 

I forgot to cash this check that time. 

I have been working with XXXX since XXXX, XXXX. Up to this point, I have not been able to get this check reissued. 

I called on XX/XX/XXXX, spoke with XXXX, ID # XXXX. He promised me he will take care of this. 

I didn't receive any check, by XX/XX/XXXX, I called again, and spoke with XXXX, ID # XXXX. I got the same promise. 

I didn't receive any check, by XX/XX/XXXX, I called again, spoke with PHH representative whose ID # is XXXX. I requested to speak with supervisor, and I was transferred to XXXX, ID # XXXX from PHH 's Escalation Department. XXXX requested me to email him details of this check and he promised me he will take care of this. I emailed him with a scanned check image on XX/XX/XXXX. 

I still had not received my check by XX/XX/XXXX, two weeks after the last call. 

By XX/XX/XXXX, I called XXXX again with his extension, XXXX. There was no answer, I was transferred to XXXX, ID # XXXX. XXXX told me that my check was issued on XX/XX/XXXX with check number XXXX. XXXX also told me I should anticipate the check in about 10 days. 

By XX/XX/XXXX, I still had not received my check. I called again, spoke with XXXX, ID # XXXX, this call was somehow disconnected. I called again and spoke with PHH representative, ID # XXXX. He promised me that he will check with the Escrow Department and will call me back on XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from XXXX, ID # XXXX. He requested me to wait until XX/XX/XXXX. If I still have not received the check by then, he would send an overnight mail with my check on XX/XX/XXXX. 

I still had not received the check by XX/XX/XXXX. I called PHH again on XX/XX/XXXX, and spoke with XXXX, ID # XXXX. He promised that he will reach out to XXXX. He also told me PHH should be able to issue an overnight mail with my check with no problems. 

By now, It has been 3 months since working with PHH to get my money back. I still have not got anything. 

Thus, I am submitting this complaint to CFPB now.
Product: Checking or savings account

I deposited a check for XXXX dollars into my Chime ( XXXX ) account on XX/XX/23. My XXXX wrote me the check and it cleared his bank account almost immediately. A week later the funds were still not in my account. I called to complain and they CLOSED my account- without the ability to login, or use my card, or access the funds. Basically they stole XXXX dollars, they had put XXXX of the deposit in my account. Never in my life has a bank taken so long to put a check in and now I have no access to it. I am going to my XXXX  bank tomorrow and disputing and I may call the police. Customer Service was of no help whatsover and I kept getting different answers from different people about the funds. This bank ( if it even is a bank ) needs to be SHUT DOWN. I am livid. I am foolish to ever sign up to this scam and invasive banking technology - IT IS WRONG
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureaus on XX/XX/2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL, social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.
Product: Credit card

I open a sams club credit card a couple mot when i did it was {$2000.00} recently I owed {$1400.00} from that I made two payments to them {$120.00} & {$120.00} making my credit on XX/XX/year> {$770.00} next thing i know the same day this company steals over {$610.00} and called and emailed then chat i was told they changed my limit of credit in the middle of the billing cycle but they took the money from what i paid and not my debt balance they had blocked my number from calling customer service back also they claim to not take healthy benefit card, XXXX XXXX card from health providers as well
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 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

I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect information on my consumer report. The account listed as XXXX XXXX has several inconsistencies that leads me to believe the credit have not done their jobs and properly verified this account as they stated they did. The inconsistencies are as follows : High Balance : {$500.00} {$500.00} Last Verified : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Dispute Status : Account not disputed XXXX Account not disputed Creditor Type : Finance, personal Personal Loan Companies Personal Loans Companies Term Length : 12 Month ( s ) 11 Month ( s ) 11 Month ( s ) Account Type : Installment account Secured Loan Installment Experian is reporting it as a collection but XXXX and XXXX are not. This is not correct.
Product: Checking or savings account

Greetings CFPB Team, I was closed out from my bank account on XX/XX/XXXX while waiting on a posted Transaction from the Internal revenue and tax revenue, it was sent away from the bank my federal and state refund, and has not been tracked by the IRS they said they sent to bank. My bank took me off there internet, I have deposits coming in my account according to the tax law, every XXXX of the month for 12 months child and additional credit. I noticed after using there bank notary for a XXXX income statement for a utility bill assistance, my account being neglected from fraud division it were transfers into my account over {$600.00} at a time of the bank money to the results of them over drafting into my account that amount recurring that amount the dates started XXXX, XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX my case was forward to you from the FDIC
Product: Credit reporting or other personal consumer reports

I have reviewed a copy of my credit report and identified multiple inaccuracies and unauthorized accounts/information. These discrepancies have significantly impacted my financial well-being and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # 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: Debt collection

the alleged debt from Capital One was sold to a 3rd party " XXXX XXXX XXXXXXXX '' without my permission, and I have been contacted several times via email and text message by the 3rd party " debt collector ''. they are harrasing me and using abusive words such as " debt '' and " owe ''.
Product: Debt collection

Just now, right after XXXX my time the company called about a mortage ( in an attempt to collect a debt ) that should actually be on track payment wise ( I have my bank automatically send payments to the lender ) Again, it was after XXXX.