23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX XXXX XXXXXXXX posted a collection on my credit report that they purchased from another collection agency ( XXXX XXXX XXXX XXXX ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company, FRONTLINE ASSET STRATE. They bought back the fraud account from XXXX XXXX again. I already called XXXX XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. They told me to go file a police report for identity theft for something happen years ago. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted when I was living at the old house. There is no way to track him down or known his where about. Now XXXX XXXX is trying to sell this fraud account to FRONTLINE ASSET STRATE to collect from me again. This will cause a financial burden and hard ship, and my employment, because I have to care for my wife with XXXX.
Product: Student loan

I have been having difficulty in paying these private loans since XXXX XXXX XXXX XXXX XXXX withheld my XXXX XXXX because I was completely tapped out of both federal aid and private loan money. My federal loans are now in forbearance because of this scam for-profit school and now these scheming private loan lenders do not understand that I can not pay - because those loans were based on predatory lending practices.
Product: Credit reporting or other personal consumer reports

[ Consumer Financial Protection Bureau po box 27170 Washington, D.C. 20529-7170 Dear Consumer Financial Protection Bureau , I am writing to report a concerning issue regarding two accounts listed on my credit report : XXXX XXXX and XXXX XXXX. I have no knowledge of these accounts and believe they are fraudulent, likely a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ), it is the obligation of the credit reporting agency to provide proof that these accounts belong to me. Furthermore, according to 15 USC 1681i, I request an immediate investigation into these entries. If you can not substantiate these claims, I am demanding that these accounts be deleted from my credit report without delay.

Additionally, I would like to remind Equifax of their responsibilities under 15 USC 1681s-2, which outlines the duties of furnishers of information, particularly to ensure the accuracy and integrity of the information they provide to credit bureaus.

Enclosed, you will find copies of my identification and any relevant documentation supporting my claim. I urge Equifax to respond swiftly to this matter to prevent further harm to my credit profile.

Thank you for your attention to this critical issue. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with ConsumeXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I started a dispute in Experian online dispute process ( Report XXXX XXXX ). They reported erroneous information in my credit report. According to the FAIR CREDIT ACCT It is supposed to take no less than 30 days to investigate my dispute. To my surprise, according to them on the same day XXXX XXXX they investigated my dispute and did not fix the erroneous information that they reported on my credit report. How can they do an investigation in just a few hours. They violated the Fair credit act by not following due process. Account dispute XXXX XXXX XXXX XXXX Account XXXX. I never paid late!!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card

I receive yesterday a communication letter from CITIBANK about the Dispute They are not able to resolve on my behalf due to the Answer from the merchant. 
In the letter they stated as a Courtesy they provided credit in XXXX of the XXXX Disputed I have with the same merchant for Incompetent services received from merchant. 
I would like to have CITIBANK provide me the process under VISA Policy in regards Disputes for Services not received and the Fact I had to pay for the same Repair for the same part of my truck twice, I don't believe I have to be responsible to make any payments in the amount disputed for {$1000.00}. 

So At this time I would like to report CITIBANK has violated the Following : Federal Section 15 U.S. Code 1666i and California Sections 1740.40,1747.50,1747.60,1747.65.

This is my last effort and to have it reflect it as an exhaust Administrative Option before I take legal Action against CITIBANK along with another Matter I have pending. I already Informed the CFPB Ombudsman in regards this Dispute I have with CITIBANK.

If CITIBANK still deny assistance and due to its Actions making reports to the Credit Agencies and damage my credit report, by Law I make CITIBANK Liable for XXXX times the amount on Dispute.
Product: Debt collection

This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report
Product: Checking or savings account

I am writing to file a formal complaint against Citibank related to a bonus XXXX XXXX miles offer that I received and enrolled in. The purpose of this complaint is to seek your assistance in resolving an issue concerning the fulfillment of this promotional offer, as detailed below. 

On XX/XX/2023, I received an email offer from Citibank, which stated that as a valued Cardmember with my Citi / XXXX XXXXXXXX card, I was eligible to receive bonus XXXX XXXX XXXX  miles for opening a new eligible checking account. The email clearly outlined the requirements to earn the bonus miles, with an expected posting time of 30 days after completing the required activities. 

I enrolled in the offer by following the instructions in the email and received a confirmation email on XX/XX/2023, acknowledging my enrollment. I successfully completed the required activities by depositing {$1000.00} in XXXX qualifying deposits and making XXXX qualifying pin-based purchases totaling {$1000.00} on XX/XX/2023, which should qualify me for the highest bonus of XXXX XXXX XXXX XXXX XXXX 

However, despite the email stating that the miles would post within 30 days, they have not been credited to my account as of today 's date. I contacted Citibank on XX/XX/2023, and was informed that I met the criteria of the promotion, however, the miles would take 90 days from the account open date to post, contrary to what was stated in the original email offer. 

I contacted Citibank again on XX/XX/2023, and was told that the promotion code XXXX was not associated with my account. I was requested to provide a copy of the promotion that was sent to me. I promptly faxed in the requested documentation. However, as of today, XX/XX/2023, I have been informed that it could take an additional 30 days for resolution, and there is no guarantee that the miles will be credited to my account. 

This situation has caused significant frustration and inconvenience. I believe Citibank 's actions are misleading and unfair, as the terms of the offer were clearly defined in the initial email communication. 

I kindly request that the CFPB investigate this matter to ensure Citibank fulfills its offer in accordance with the original terms and that customers are not subjected to inconsistent information and extended delays in receiving promised benefits. 

I appreciate your attention to this issue and look forward to a prompt resolution.
Product: Credit card or prepaid card

My account was comprimised and paypal did nothing to protect my money even after i reported it stolen and refuse to correct their wrong in the amount excess XXXX dollars and their customer service rep stated to me i wouldnt get my money back so just close the disputes, I did that and now they tell me i would of been accepted but i closed them so now i cant get my money back. I have been telling them for 3 months about these charges to no avail and XXXX, & XXXX " supervisors ' basically laughed at me and rejected me on the phone. i have 21 closed cases and 12 open currently and received XXXX  dollars back. i have over 50 unauthorized charges and its MY money im begging for. i can upload all of my documents to you but its sensitive info but it definatly exceeds XXXX
Product: Money transfer, virtual currency, or money service

I have a PayPal account for some reassign PayPal changed it to a business account. I had someone send me money then was desperate for money so this individual went thru all his transactions claiming fraud so our transaction got involved and my account was temporarily shut down. I finally got it up and running again but didnt feel comfortable with PayPal being able to just my account down that easily so I transferred all my money from that account to my regular savings account. Seven days later PayPal dose a reversal on the ACH transaction and told me I had to wait 200 days. After spending hours on the phone/ chats /emails no one can tell me where my money is and its been months. I need answers but Im in the dark I keep getting transferred every 5 mins when I call and waste hours of time trying to find something out.
Product: Debt collection

There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX   to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and XXXX.
Product: Checking or savings account

I am writing to express my frustration and seek your urgent assistance in closing my Citibank Accelerated Savings account. I have been attempting to close this account for the past five months, but despite numerous contacts with Citi support team, the account remains open and I am still being charged service fees. 

To summarize : - I tried closing my account through the online website. I site directed me to call support. Support was unable to close my account and directed me to write a letter to Citi bank XXXX XXXX, requesting to close my account. 
- XX/XX/year> : I sent a letter to the Citibank XXXX XXXX branch requesting the closure of my account. 
- Despite follow-up calls with Citibank support , I was assured that the account would be closed, but this has not happened. 
- starting of XX/XX/year>, I have been charged monthly service fees of {$4.00}, which I believe are unjustified since my account should have been closed in XXXX. 
- I have sent another letter on XX/XX/year>, reiterating my request to close the account. However, I have yet to receive a response or see any action taken. 

Given these circumstances, I kindly request the immediate closure of my account and a waiver of any fees incurred since XX/XX/year>. 

As there are no physical branches in my city, I have made every effort to resolve this via mail and phone, but the issue persists. 

Please assist me in resolving this matter promptly, as I am at a loss for how to proceed. 

Thank you for your immediate attention to this matter. I look forward to your help with this issue.
Product: Checking or savings account

Help I did a mobile deposit on my square acct for XXXX dollars they then froze my XXXX and will not release my funds from the IRS check they refuse to explain Why
Product: Checking or savings account

XXXX of my checking accounts was the victim of repeated fraudulent withdrawals. Therefore, I asked that the account be closed and advised that no further withdrawals should be made from the closed account. The account was closed, at least I was told that it was closed. About XXXX weeks after it was closed a check written on the closed account was presented. Instead of rejecting the check, Wells Fargo took money out of my new replacement account. The transaction was fraudulent. i reported this on Friday XX/XX/XXXX. I have been to my branch XXXX  about it. i have spoke to the branch XXXX or XXXX more times. I have been told that the fraud department is investigating and will contact me within XXXX hours. I have not been contacted by anyone.
Product: Bank account or service

I opened an Extra20 account with Santander XX/XX/XXXX, soon after they started promoting it XX/XX/XXXX. I diligently met the requirements for approximately two years, earning $ XXXX monthly bonuses. However, the account type was discontinued and they switched me to another account type without ongoing bonuses. Original marketing materials contained the bonus amounts going up to five years. I believe the bank never intended to continue this type of account. They used it to attract new customers, giving a false sense of security with marketing materials showing five years of bonuses. They probably never intended to continue the account type, and hoped that customers would stay with them due to inertia. I consider this to be unethical and potentially abusive.
Product: Debt collection

Capital One has ignored all request to clear out a fraudulent debt in my name. I had to wait 17 months while the XXXX finalize their police investigation to resolve fraud and identity theft that happened in my name over various credit card accounts. Capital One needs to honor their Zero fraud liability policy that they haven't enforced under my name. 

POLICE REPORT NUMBERS XXXX XXXX XXXX Detective XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX OAG CHILD SU 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 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: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX  XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I received an unsolicited Debit card in the mail this week from Chime bank ( XXXX XXXX XXXX ). The card was ready to use with name, number, chip etc. so goes beyond typical " mock '' cards used in advertising. Only instructions were to download the app to activate the card. 
If this is an advertising effort I am highly concerned with their approach and with no additional details about the account I believe this marketing is counter to appropriate banking/lending marketing laws. 
I am highly concerned as I am unsure if this is marketing or identity theft and an account was opened in my name.
Product: Debt collection

Within this past couple of weeks, I have received several calls from someone saying that if I did not pay a collection that everything attached to my social security number would be seized. The individual who called me was XXXX XXXX, she called on Monday, XX/XX/2019, at XXXX XXXX  She advised that she works for a Law Firm and is reaching out to the XXXX XXXX XXXX to have them garnish my wages. I called her later that day and then she advised she worked for a collection agency who was attempting to collect a debt from CashNetUSA. I received an email from CashNetUSA at the end of XXXX stayed that they sold my debt to a collection agency. 

I received a call today from a Delaware number and when I answered the lady asked for me, I said hello, and was getting to ask her where she was calling from, and before I could speak she rudely spoke over me, so I disconnected the call. She called back and left a voicemail advising that me hanging up was not a good option and that they will garnish my wages and my school checks. This lady called Monday, XX/XX/XXXX at XXXX XXXX  I called the number she left on my voicemail on XX/XX/2019, at XXXX XXXX. and someone else answered the phone, but they already knew who I was because they asked they stated my name. I asked them the name of the company because I keep getting harassed and the guy told me the name of the company as XXXX. He then transferred me to the person who was handling my case. And it was the same lady from earlier that left the nasty, condescending voicemail on my phone. I begin to tell her that if she is not professional, then I do not want to deal with her, but before I could state she begin to get nasty over the phone and try to over talk me. So I continued I would not let her speak, and she then disconnected the call. 

I called back and got another person, and he then acted as if he did not who I was calling, and I told him them to stop calling me and harassing me, and that the person he transferred me to was very rude and I do not want her calling my phone, nor do I want to work with her with anything. 

I called the number she left on my voicemail on XX/XX/2019 at XXXX XXXX. and someone else answered the phone, but they already knew who I was because they asked they stated my name. I asked them the name of the company because I keep getting harassed and the guy told me the name of the company as XXXX. He then transferred me to the person who was handling my case. And it was the same lady from earlier that left the nasty, condescending voicemail on my phone. I begin to tell her that if she is not professional, then I do not want to deal with her, but before I could state she begin to get nasty over the phone and try to over talk me. So I continued I would not let her speak, and she then disconnected the call. 

I called back and got another person, and he then acted as if he did not who I was calling, and I told him them to stop calling me and harassing me, and that the person he transferred me to was very rude and I do not want her calling my phone, nor do I want to work with her with anything.
Product: Money transfer, virtual currency, or money service

I just opened a high yield savings account about a month ago. I am trying to transfer some money from this account into my XXXX XXXX account but Citi is refusing to transfer MY MONEY. Every time I try to transfer, I get an " Access Blocked, For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention Error Code MFA ''. I then call customer service and they are no help. I want to transfer my money using the " instant transfer '' method and I refuse to use the " wire transfer '' method as that costs {$25.00}. This is extrememly frustrating and I have noticed a lot of other people have been having the same problems. This needs to be fixed now Citi. Now..
Product: Bank account or service

I signed up with PNC Merchant Services on XXXX/XXXX/2014 for a simple merchant account ; an account with no monthly fees. I specifically told XXXX XXXX that I was not going to be processing credit card payments on a regular basics and did not want to pay a monthly fee. Now, almost two years later, PNC starts charging me {$19.00} fee per month. I contact them and they informed me they sent a letter to me XX/XX/XXXX ; I never received the letter and I told them. They assigned me a person XXXX XXXX, XXXX, to resolve the issue for me about the fee and about cancelling my merchant services account ; he did absolutely nothing - they are crooks. XXXX told me that I signed the contract and agreed to a fee, if I did not process {$60000.00} a year in credit cards and that I signed the contact stating, agreeing to keep the account for 3 years ; I was not aware of either of these things. These are key things that XXXX XXXX should have pointed out to me. I never would have agreed to processing {$60000.00} a year in credit card payments or to keeping the account 3 years. The figures XXXX put on my application for XXXX and XXXX amounts, I did not give them to her ; she put them there on her own. She is responsible for letting the customer know all these things but she did not tell me anything. PNC Merchant Services is a rip off and is designed to get customers sucked in for long periods, so they can make a profit.
Product: Bank account or service

This is a Rewards XXXX XXXX Account with Capital One. Terms call for XXXX reward point to be awarded for every {$20.00} in average monthly balance. So, if my average monthly balance was {$100000.00}, then I would receive XXXX reward points for that month. Historically, points have ALWAYS been credited at the end of a month or early the following month. 

I recently ( late XXXX 2015 XXXX made a substantial deposit that more than doubled the cash balance in this account. However I have yet to receive -- it has been 40 days as of this writing -- a point reward that reflects this larger balance. When I contacted Cap One I was told that a " systemwide computer issue '' is to blame and that I should receive my reward points within 60 days but, if this does n't happen, then I should call back, open a case and the matter will be investigated further. 

XXXX final points:1 ) In addition to reward points, there is also a cash interest component associated with this account. Cash interest continues to be credited at the end of each month, as it always has been. No " systemwide computer issue '' here. 

2 ) Reward points from this account are, effectively, cash equivalents in that they can be used to offset travel purchases -- airline tickets, hotel expenses, rental cars, for example. 

3 ) I have had this account for over XXXX years. At no point in the past have I ever had to wait over 40 days to have reward points credited to my account. Only recently, after the balance increased substantially, has this issue arisen. And frankly, Capital One 's explanation about a " computer issue '' is not credible, in my opinion.