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

On XXXX I opened a Priority Checking and Savings account using an online promotional link with CitiBank. Citibank refuses to pay the promotional bonus. They claim the account was opened without the promotion. This is simply nonsense as I have a printed copy of the online promotion and a confirmation email. 

The net of the promotion was that I had to open the checking and savings accounts then fund and maintain {$50000.00} in the combined accounts for 60 calendar days. Once completed my account was to be credited with a {$700.00} bonus within 90 calendar days. I funded the combined accounts on XXXX with {$52000.00}. This action more than met the funding requirement. As of this date I'm STILL maintaining that funding level. At no time did the funding level drop below the minimum {$50000.00} requirement. According to the terms of the promotion I should have been credited the {$700.00} bonus on or about XXXX. 

On XXXX I did an online chat with XXXX at Citibank. He CONFIRMED that I met the requirements of the promotion and that I should just wait another week or so for payment. The payment never came ... 

On XXXX I called Citibank .... After 6 attempts to speak with a human and having the call dropped I finally was able to get through to XXXX. He would not confirm or deny the promotional bonus but agreed to open a complaint. I received confirmation number XXXX On or about XXXX I received an email notifying me that I had correspondence available online. I logged into the Priority account and found a letter denying the bonus and claiming that the account was opened WITHOUT the promotion. The letter further indicated that if I disagreed with the outcome to fax additional information or other proof to XXXX. I PROMPTLY did exactly that .... 

Its now XXXX and I've received no further communication from Citibank. I believe at this point that the bank is just ignoring me and hopeful Ill just go away. I believe they have committed a fraud by denying me this promotional bonus money. I am hopeful that you can assist. I have significant paper documentation of all of this history and will be happy to get copies to you if needed. 
THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank continues to " run '' my credit history even when I put them on notice numerous of times. I never consented and I even filed a Fraud Alert with credit card companies to stop anyone from running my credit history resulting in a hard credit inquiry on the report, thus reducing my credit score. I want the hard credit inquiry removed. Why does XXXX continue to hurt consumers credit history?
Product: Credit reporting or other personal consumer reports

I discovered an incorrect address, on my credit report that does not belong to me. Despite my continuous efforts, including multiple phone calls over a period of XXXX months, and speaking with different agents, the company informed me that they couldn't remove the address because it's linked to an account. I want to emphasize that I have never lived at that address, and the account associated with it is not mine. To address this issue, I began sending dispute letters for the accounts that do not belong to me. In my attempts to resolve this matter, I have also attached my identification documents, clearly indicating my correct address, in an effort to provide the necessary information for verification purposes. Despite these efforts, the incorrect address continues to be associated with my credit report, causing ongoing issues. I have taken these actions to rectify the situation, but unfortunately, the problem persists, and I have not received any resolution from the company.
Product: Credit reporting or other personal consumer reports

A collection account showed up on my credit report. I contacted XXXX XXXX XXXX to find out why. I was informed that the {$380.00} collection was for XXXXXXXX XXXX. I have paid that card off on XXXX XXXX XXXX and closed the account. I filed a dispute with all three credit agencies. All XXXX did not fully investigate this dispute to discover that this debt was paid more than 20 days before XXXX XXXX XXXX received the collection account on XX/XX/2023. All of this information remains on my credit report.
Product: Debt collection

from XXXX through XXXX I was in college not only at XXXX XXXX college but XXXX XXXX which is the apprenticeship I was doing at XXXX XXXX. I never had credit cards with high limits I would not qualify for them nor at any time would I have tried I was in school and didnt work. I have to many medical issues to be working full time. It is a fact I have XXXX XXXX XXXX XXXX XXXX   XXXX XXXX and multiple XXXX XXXX. My records are with XXXX XXXX in Colorado and I was placed on medical leave on XX/XX/XXXX. I filed complaints on here about 2 creditors and when I filed with an attorney general in Colorado I did receive part of my money back but not all. I have several documents showing I was in school including transcripts and certificates. I also have a document stating XXXX XXXX had understood I was in college back in XXXX and had sent me an exemption letter however I did not receive it but it is on record when I filed a complaint with an attorney general in Colorado about another creditor. I was actually sent my money back and I have a copy of this check however XXXX and XXXX ignored the letter that XXXX XXXX had written up in XXXX and continued to come after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the rights to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on credit accounts under an open end consumer credit plan as late for any purpose.
Product: Vehicle loan or lease

I attempted to sell a vehicle over this past weekend and come to find out that the State of Nebraska still shows that Capital One Auto Finance is still listed as the lien holder. This loan was paid off in XX/XX/XXXX. 

Starting on XX/XX/XXXX at XXXX XXXX CT, I have talked to 13 individuals with Capital One Auto Finance and I still do not have a notice of the lien being released. After speaking with XXXX, Resolution Specialist, on XX/XX/XXXX ( person number 7 ), he assured me that I would receive a fax for the XXXX XXXX XXXX  with the lien release to be submitted to the State. I received the fax in about 15 minutes, but it was for the WRONG VEHICLE. I called back finally spoke to XXXX, Resolution Specialist, ( person number 11 ) and I was assured that I would receive the fax with the correct vehicle within the first two hours of business on XX/XX/XXXX. I failed to receive a fax and after calling again, was eventually transferred to XXXX, possibly a supervisor - person number 13, told me that the case was closed as Nebraska can not accept a faxed lien release ( after I called the State directly yesterday and received a fax number to have it faxed to ). He continued to tell me that he was unable to get a hold of someone else to escalate. I asked him to call me with an update and he does not have the ability to call out. 

I have taken over three hours away from my own job to deal with this ( cancelling meetings to tend to this issue ), I am paying insurance for four vehicles now and losing interest from the purchase of a new vehicle as this trade in would have been used for the down payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist Bank XXXX XXXX Dispute Analyst refused to submit my claims to XXXX with the correct Mitigating chargeback codes relevant for my fraud claims as a XXXX for misrepresention l gave them all the documentation & proof provided to their email response & spoke with several managers that the Analyst was promised to respond to my appeal requests as evidence showed that these credit refunds should have been permanent. Managers refuse to reopen the cases & let me speak with the lady who was assisting me with my Provisional credits. I do not owe the bank this money & unless they can provide proof from XXXX  who says Their dept never submitted my claim for investigation that the money needs to be returned back into my account today.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the handling of fraudulent items on my credit report, particularly in response to my eighth attempt to have them removed. 

This repeated failure to address the issue adequately is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly and thoroughly investigated and removed to prevent further harm to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, 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 Experian 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 Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

Ocwen Loan Servicing LLC is dual tracking while my HAMP application is under review. It has sent me a letter threatening foreclosure.
Product: Checking or savings account

I put in my claim & was promised within my 10days to be credited my funds by XX/XX/year>, instead Current bank has a habit of aggressive closing claims, without looking at evidence & denying appeals & this time closed my account with issuing refunds in allotted legal timeframe stating they would mail me a check of which I no longer live at the address. XXXX agents constantly hang up with no American support or representative management staff &, leader ship operations is never present to discuss account activity. They are constantly putting my consumer privacy at risk & I am tired of the XXXX XXXX XXXX XXXX XXXX XXXX. I want my account justly repopened & money back in my balance today.
Product: Credit card or prepaid card

I have two charges on my account one for a photographer and one for a videographer that I never authorized. However, every time I dispute it and appeal it they deny it every time. They are not protecting me the customer at all. I have not been rendered and service nor received and service for these charges that werent  authorized.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 purpose.
Product: Credit card

I've had a Paypal account for a long time, including a credit card and credit line. During this time, my account has been linked to XXXX XXXX for payments. For some reason, these accounts became un-linked several months back. I attempted numerous times through the Paypal website to link the accounts again, and kept getting an error message. I contacted XXXX XXXX, who told me they showed no attempts from Paypal to re-connect the account, and the issue was on Paypal 's end. So I reached out to Paypal, many, many times, via e-mail, their chat option, and by phone. Their customer service agents were unhelpful and usually told me some combination of a ) they couldn't help me, and b ) I needed to go to their website to link the accounts ( which wasn't working ). There were also multiple times where I couldn't get ahold of anybody, and times where their agent would tell me they were transferring me ... and then the line would just disconnect. Nightmare experience, and in the meantime, I was racking up a huge amount of late fees, penalties, hits to my credit, etc., and their collections dept. started blowing up my phone trying to collect ( even though I was trying very actively to pay! ) Finally today, after months of this, I got ahold of a very friendly and helpful lady at Paypal, who quickly identified a simple issue in their system and fixed it in about 10 seconds. It was basically along the lines of " oh I see here, you're not connected to XXXX XXXX in our system. There you go, I've fixed it. '' I have no idea why none of her colleagues could do this during the previous phone calls, although I could guess. Many of the agents I'd spoken to were unfriendly, and didn't appear trained or empowered to hep resolve my issue. 

So of course my next question was, how do I get the late fees and such taken off, since this was clearly a Paypal issue? Multiple transfers and phone calls later, I get ahold of a Paypal supervisor, who again was unhelpful, and not empowered to help in any way.

What a nightmare experience!
Product: Credit reporting or other personal consumer reports

Experian is showing I have two open student loans. I do not. My loan was transferred from XXXX in XX/XX/2024. I have made multiple attempts with XXXX and Experian to resolve this. I am put on hold for up to 40 minutes with XXXX.
Product: Debt collection

XXXX XXXX has been harassing me over an account that has not nor did it ever belong to me. It belonged to someone who lived in my house by another name. They can't find the gentleman and now they have turned the debt over into my name with 5 different collection agencies and with all three credit reporting agencies over the last 6 years. Each agency has investigated it to find that what I speak is true and they remove it only to find it pop up again under another name and another anount. This is ridiculous and it is ruining my credit score. I am sick of it!!!!
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 BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What happened? 

I discovered an unauthorized hard inquiry on my credit report that is the result of identity theft. The specific hard inquiry in question is : Date : XX/XX/year> - Company : Comenity  Capital/XXXX  I did not authorize this inquiry, nor have I had any legitimate transactions or interactions with Comenity Capital/XXXX  . The inquiry was identified as part of an investigation into identity theft that I am currently handling. I have not received any communication from Comenity CapitalXXXX regarding this inquiry, and I am concerned that this unauthorized action is affecting my credit report. 

I have taken the following actions to address this issue : I have filed a police report and an FTC Identity Theft Report to document the identity theft. 
I have contacted the credit bureaus to dispute the unauthorized inquiry and request its removal. 
Despite these actions, the inquiry remains on my credit report, impacting my credit score. Therefore, I am requesting Comenity Capital/XXXX to investigate and remove this unauthorized hard inquiry from my credit report.
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 XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX balance XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXXXXXX XXXX  XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XXXX, XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX $ Balance XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Opened XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 
-Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX $ balance 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act CREDIT XXXXXXXX XXXX  account number 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, 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: Mortgage

Rushmore, after two requests, has not proved the loan in the referenced letter is the responsibility of the mortgagor or an encumbrance of the listed property.
Product: Mortgage

To be brief, around XXXX of XXXX, I informed Ditech that I was unemployed at the time and that I was worried about my mortgage, since by that date I was perhaps two months if not more, behind. I was assured not to worry and that things could be worked out. I was told that if I could make payments on XXXX and XXXX of XXXX and XXXX of XXXX, then they would give me a loan modification. If memory serves, either late XX/XX/XXXX or first part of XX/XX/XXXX, I informed Ditech that I was still unemployed, despite applying everywhere and still looking daily for work. I was informed that as long as I make a payment, things could be worked out. Next thing, I receive a letter informing me that my home has been scheduled for foreclosure on XX/XX/XXXX. I was denied unemployment benefits, so even making a partial payment was out of the picture. All that XXXX wasted XXXX time talking to Ditech and being given, what I would now call false hope, just to lose my home anyway. In essence, it appears and feels as if I was just strung along until there was only one thing for Ditech to do and was to foreclose. We have no where to go.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has somebody else 's medical debt listed under my credit file. I have called the XXXX XXXX XXXX listed on my report, and they stated they have no record of me, or any debt for me. It is not mine. It is a health care bill, and i receive free healthcare from the dept of veterans affairs, and there is no way it could be me. This is causing me some stress and I don't know if there was a breach or someone stold my identity. I have a fraud alert, and credit freeze on file with equifax, yet there is somebody ele 's debt listed under my name. I want it fixed asap!
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX