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

Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, XXXX
Product: Debt collection

Please see UPDATED Identity Theft Report Filed with the FTC along with the Police Report, Evidence Received by XXXX XXXX Police Department and FBI Creditor Letter stating that I am a victim of financial fraud in a federal division.
Product: Debt collection

I began the dispute process on a collection item that appeared on my credit without any letters or information about the debt. I decided to dispute the debt on XXXX and received a letter on XX/XX/XXXX  from the debt collection agency XXXX XXXX XXXX XXXX that stated, " We have received your request for debt validation. We have not yet received the information you have requested. As such, we will suspend our collection efforts until we are able to validate the debt for you. If applicable, we will not report this debt to credit reporting agencies until and unless we are able to validate the debt for you. '' They NEVER stopped reporting the debt to the credit agencies and have not followed up with me to validate the debt. I still have no clue what this is for or about and it is not changed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$94.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190000.00}
Product: Debt collection

I have contacted this company over a month ago in regards to this account however they are still reporting the account incorrectly as an OPEN account. This account is NOTE open and should be included in bankruptcy as a CLOSED ACCOUNT INCULDED IN BANKRUPTCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX EXETER FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

A {$50.00} charge on XXXX/XXXX/2017 was made on my Citibank credit card that I did not make. I filled a dispute with Citibank. After Citibank " investigated, '' Citibank closed their investigation and charged me again. 

The documentation provided to Citibank from the merchant clearly shows a person with a different name made the purchase and mailed the item to a state 500 miles from my home.
Product: Credit card or prepaid card

I received an email supposedly from XXXX XXXX charging me {$400.00}. I have never purchased antivirus. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ago ) to XXXX, XXXX : me Thank you for your order, Here is your details INVOICE ID Product Details XXXX XXXX XXXX XXXX XXXX Security Order Summary INVOICE NUMBER : XXXX Issue Date : XXXX XX/XX/2022 Finish Date : One year from Start Date Payment Mode : Auto debit from account Status : Completed Item Title Quantity Total XXXX XXXX XXXX XXXX Security ( XXXX ) XXXX {$400.00} USD Sub-total {$400.00} USD XXXX XXXX Total {$400.00} USD If you wish to not to continue subscription and ask for a REFUND then please feel free to call our Billing Department as soon as possible. 
You can Reach us on : XXXX ( XXXX ) ( XXXX ) XXXX - Sincerely, Billing Department
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. 

I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and have a listed collections account from t-mobile which was passed onto a collection agency. There are also some errors on my report such as wrong addresses and names that I want removed as soon as possible. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I opened a Wise account XXXX weeks ago. I followed their instructions to create what they call " Account Details '' by transferring {$20.00} to the account from my regular bank here in Utah, and set up the Wise account to be able to send/receive money in XXXX. ( I am trying to receive money from CAD into USD and then receive that money into my local bank account here. ) On XX/XX/year>, XXXX XXXX, a law firm in XXXX who is working with the sale of some land that I own in XXXX submitted a wire transfer for {$54000.00} CAD to the account which Wise directed me to. This account is located in XXXX, XXXX, and it is the " Account Details '' which Wise uses to bring the money into their system.

( Note : I have worked with XXXX XXXX and know them very well from earlier business in XXXX. They have always been prompt and helpful, without any kind of problem. ) I realize these things can take a few days to process, so I waited. 

I checked with the XXXX XXXX people a few days later to confirm they had sent the money. They had done so, and provided me with a pdf. of the sheet which showed the transfer. I personally checked all the account information ( account numbers, address, etc. ), to make sure there was not a problem. Everything was done correctly from the law firm. ( I have also been in contact with them to let them know about the problem, and they have been supportive. ) I then began to reach out to Wise, which has a customer service " chat '' which mostly has automated responses. When I finally got what seemed like actually useful information ( a request to upload the transfer details from the law firm ), I did as they requested then waited a few more days. 

I kept checking my Wise account to see if anything had shown up, but it is still showing only the original {$20.00} which was necessary in order to get things started. 

Finally, today, I went through the whole process with Wise again ( starting with their " chat '' based " customer service '' and this time they said they couldn't find any record of my having uploaded the transfer details ( which I had done several days ago ). I went through this process again, re-uploaded it, and they said they would look into it ( it's now been 11 days since the transfer occurred ). I believe they are stalling, or have no intention of helping me. This could be fraud. I informed them that I would be moving onto reaching out to CFPB.
Product: Debt collection

On XX/XX/2016 Midland Funding added a derogatory mark for {$810.00} on my XXXX, XXXX, XXXX  credit reports. Upon further research, this account was trasferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there were NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA ( MIDLAND FUNDING LLC ) Has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Credit reporting

I had a strange bankruptcy. My attorney filed a Chapter XXXX that was converted to a Chapter XXXX. Before the Chapter XXXX could be finalized I had a change in income and voluntarily went back to a Chapter XXXX. The Chapter XXXX was voluntarily dismissed. I received no benefit from the Chapter XXXX. Because it is public record it is being shown on my credit report. Lowering my credit score. I completed the Chapter XXXX and all chapters are closed. The XXXX has dropped off my credit report but they refuse to remove the Chapter XXXX for ten years. This is unfair. I did n't benefit in any way from filing the Chapter XXXX and that is n't fair credit reporting. I have the paperwork from the courts saying neither party shall be harmed. I did exactly what the court ordered me to do. I submitted the paperwork showing this and how all the dates coincide. There was only one true bankruptcy. It was completed and discharged. XXXX dropped it off my credit. Equifax said no. XXXX is pending.
Product: Debt collection

This company continues to contact me after being sent XXXX & XXXX letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see several 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
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, XXXX XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # 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. NOTICE : XXXX, XXXX, and Transunion are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX information of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these XXXX reporting agencies. This IS a direct threat against EVERY customer/client of these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY Lawful Credit Reporting Bureau. THEREFORE I AM A VICTIM OF DATA BREACH BY THE CREDIT REPORTING AGENCIES CALLED " TRANSUNION XXXX HOLDINGS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX '', THROUGH OUR INVESTIGATION, I HAVE NOT GIVEN WRITTEN CONSENT TO ANYONE TO SELL OR DISTIBUTE MY CREDIT INFORMATION. THESE ACCOUNTS ARE TO BE REMOVED DUE TO THE LISTED VIOLATIONS ABOVE!
Product: Credit card or prepaid card

I opened a prepaid account with XXXX XXXX they will not release funds on the card because it was from my boyfriend 's unemployment check. I have had paperwork noterized sent mail with updated address everything they asked. Mean while they are taking out monthly fees they charge while my account is frozen.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for failing to comply with the the Fair Credit Reporting Act ( FRCA ) requirements 15 USC 1681e ( b ), 15 USC 1681s-2, 1681i ( 5 ) and 15 USC 1681c ( c ). I have sent in multiple distputes online and I have been no respond to my issue This Credit Colletions Account need to be removed it has already been paid. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Remex Collection Agecy reported me to XXXX and XXXX for a medical bill in the amount of {$210.00}. 
I have never received a bill, I have received no correspondence from Remex, asking for payment for any services. 
I called them repeatedly on XX/XX/23 and tried to find out what services I owe this money for, what my account number was, etc. I got their contact info from my credit report. 
I would like this investigated as I do not want to fall victim to Unfair Collection Debt Practices. 

The contact info for Remex is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone Number : XXXX Thank you, I am sorry that I do not have any more info. 
My contact is : XXXX XXXX
Product: Mortgage

XXXX  XXXX XXXX sold my mortgage to Carrington. I paid my mortgage on time until they took over XX/XX/2018. Now they are saying that i'm {$2800.00} past due almost 6 payments. I was not behind in my payments. And the mortgage statement said this is after they took over. I have all bank statments to prove all the payments I made to XXXX XXXX   XXXX. And the one payment of {$510.00}. Also I wish to inform Carrington that XXXX XXXX XXXX got {$22000.00} and that have flat out refused to show me where the money went. And nobody seems to care. I have tried to resolve this with Carrington about i'm  not past due of {$2800.00}. And all they did was argue. They already trying to pull something shady.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint today to provide a follow-up on my previous communication dated XX/XX/XXXX. As outlined in FCRA Section 605b, Credit Reporting Agencies are mandated to promptly remove any items listed on an identity theft report. Once again, I have attached relevant documents to facilitate the expeditious removal of erroneous information and unauthorized inquiries present on my credit reports, along with my recent FTC report # XXXX. Below is a list of items that do not pertain to me or were opened without my consent : -- -- -- -- -- EXPERIAN : 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 In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from an alleged identity theft, not later than four business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the same information was erroneous. The 3 credit Bureaus are required to revalidate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$1000.00}
Product: Checking or savings account

On XX/XX/2020, TD Bank withdrew {$1100.00} from my checking account ending in XXXX. The amount was withdrawn due to a TD Bank error from their billpay system. TD Bank on its own issued a check to a vendor which I did not request and took the money from my account. 

When I called TD Bank, TD Bank stated that it would take 3-5 business days to review and their was no guarantee that I would have the funds returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed documents, Diver license, utility bill, show proof of address literally everything Equifax asked me. Even provided my DOB and email. I've been having this issue with Equifax since XXXX! Today XXXX, XXXX XXXX ; I just got off the phone with XXXX, a agent from the dispute department ( on a recorded call ) and after spending roughly 25 minutes answering all his verification to make sure I am who I say I am, for some reason an agent from the dispute department could not see any record of me sending them my documents. I kept records on my end to insure that what I'm claiming can be fact check and backed up. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand Equifax to comply to the FCRA and honor my requests.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, TRANUNION, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of XXXX, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to XXXX, TRANSUNION, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( XXXX ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically XXXX, TRANSUNION, and XXXX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as XXXX, TRANSUNION, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Product: Credit reporting or other personal consumer reports

I called experian on XX/XX/2025, on or around XXXX XXXX PST. I was on hold for over XXXX ( XXXX ) XXXX to get to a dispute agent. This is egregious. Experian has excessive hold times prohibiting consumers from filing a dispute by phone and this is causing an undue delay. This is not a request for my credit report. This is not a dispute request. I seek to hold experian accountable.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022. A loan check was sent to my parent. The parent cashed the check because she met all the criteria. In early XXXX. 2022, the finance company called me and told me that my loan was late. I told them, that I did not have a loan with them. They told yes you do. After further investigation, what I found out was they used my social security number to send a loan to my parent with the intention to commit fraud. You can't offer someone a loan using someone else 's social security number. That is fraud. I tried speaking with the representative and she was rude. She said, my parent, cased the loan and the loan is valid. What she did not say, was my parent not eligible for a loan and that they intentionally used my social security number to run that loan. 

I am a XXXX  employee and can not have a company using my social security number and listing it on my credit without my permission. The loan is being paid for by my parent, but the loan was disbursed illegally by this company with no knowledge to me or my parent.