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

Citibank insistently marketed to me their citigold account : the offer involved opening a checking account, plus investment accounts holding $ XXXX or more to receive a bonus of {$1500.00} after 60 days plus a XXXX enhancement in the cashback bonus I already enjoyed with my Citi Mastercard. 
I held the accounts ( checking and investment ) with over $ XXXX from XX/XX/XXXX, and at XX/XX/XXXX I requested my benefits. 
The chat feature in the website responded they couldn't do that and I had to call a phone number. 
I called the phone number and they had me waiting on hold for 20+ minutes, during which I could not do anything else, because the " music on hold '' consisted of a distracting drone repeating every 10 seconds that I should be doing this online. 
Finally, an attendant responded and as soon as I explained my request, the call was dropped. 
I can't know for certain that this was intentional, but I do know for certain that the bank didn't call me back, and the bank didn't credit the promised rewards during the following few days. 
Not having another 20 minutes to spare, I have not attempted the maneuver again : today I closed the accounts. Still, I had earned the {$1500.00} and citibank failed to honor their marketing promise.
Product: Checking or savings account

XXXX attempted to open a money market account with VioBank but each time the application was rejected. Vio Bank representative claimed they followed the consumer information given them by XXXX. We contacted XXXX and obtained their report which had no adverse information other than my attempt to open an account with Vio Bank. We provided that information to Vio bank and asked them why they decline her deposit account. They declined to provide any  information for the adverse decision and again claimed it was the non-existent information from XXXX. I have paid off my mortgage and pay my credit cards on time. The only reason left for denying me must be my age of XXXX  years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Ive been disputing this Department of Education balance for months. The issue stems from my XXXX XXXX and XXXX XXXX disbursements through XXXX XXXX and XXXX XXXX, and its been a mess. 

For the fall XXXX spring term, I was awarded a XXXX XXXX of {$5800.00}. However, the school only paid me {$3400.00} via XXXX XXXX depositsleaving me short {$2300.00}. 

Despite this, XXXX reported to the Department of Education that they paid me the full {$5900.00}, which is both inaccurate and {$100.00} more than my actual award. This discrepancy is the root of the problem : theyre claiming I was overpaid by {$100.00}, when in reality, they still owe me {$2300.00} from the XXXX XXXX XXXX 

The Department of Education has since reported this alleged {$100.00} overpayment to credit agencies, sending it to collections during XXXX relief and damaging my credit for years. But the facts dont add up. Statements from XXXX XXXX will show exactly what I received : {$3400.00} in deposits, not the {$5900.00} theyve reported. This false reporting continues to haunt me. 

On top of that, XXXX XXXX still owes me {$1000.00} from a disbursement dated XX/XX/year>. They never sent me a check or a new card because XXXX told them I was no longer a student. So, between the {$2300.00} unpaid from my XXXX XXXX and the {$1000.00} unpaid or reimbursed from XXXX XXXX, Im owed a total of {$3300.00}. 

Now, lets look at my XXXX XXXX with XXXX, which totals $ XXXX amount is correct. If you subtract the {$3300.00} Im owed from the XXXX XXXX and XXXX issues, that leaves a difference of {$130.00} ( {$3400.00} - {$3300.00} = {$130.00} ). Ive already paid {$550.00} toward the XXXX XXXX, so if you subtract the {$130.00} from my payments, they actually owe me {$410.00} ( {$550.00} - {$130.00} = {$410.00} ) in overpayments on the loan. 

To sum it up : not only do they owe me money, but theyve trashed my credit over a supposed {$100.00} XXXX XXXX overpayment that never happened. The XXXX XXXX should be paid off in full. Their reporting is inaccurate, and Im stuck dealing with the fallout. I have proof of the deposits and statements to back this upthey need to fix this and make it right and remove it from my credit reports immediately. 

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Product: Credit reporting or other personal consumer reports

Review Attachments listed below, those account on the files are fraudulent. There was no agreement made by me to open any accounts in my name. Please provide me with more information in regards to the listed accounts below. Thank you, XXXX XXXX.
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, the art institutes including my school the XXXX XXXX XXXX XXXXXXXX XXXX was investigated by the federal government for falsifying accreditation, misleading and recruiting students and much more. 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as the XXXX XXXX XXXX XXXXXXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against the art institutes, and my Fed. loans of over {$70000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX. XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XXXX, booked a room with XXXX XXXX in XXXX, XXXX after a tornado occurred where I lived. I booked it for 2days, but upon arrival and it was not told to me upon booking, I would have to pay cash, and my credit card through Barclays was charged {$120.00}. I paid {$76.00} to XXXX XXXX for the stay on XXXX, and I didnt stay on XXXX, because I didnt have cash for the second night, but my credit card was charged for both nights. They are overcharging me for two nights when I paid for the one night I stayed there in cash. Barclays has ruled in their favor, and that is fraud, that my credit card has been charged the full amount, plus they received cash for my stay, they are double dipping on people and I also called Barclays that night of my arrival, and found out I had to pay cash, and talked to a representative named XXXX and she talked to the hotel directly and she informed me I would be refunded the {$76.00} on XXXX, but wasnt, so I was charged {$120.00}, as well as XXXX, and this is fraud and that business should be reprimanded, and Barclays should be made to remove the charge of XXXX, be removed from my card.
Product: Checking or savings account

XX/XX/XXXX I use my card for a few purchases went to use my card to buy me some food cuz I'm at work and I also use public transportation so I need I use my card to pay for the transportation so when I go use my card a decline so I called the company and I asked him why did they declined there was no answer back I also asked them who can I complain to they said that it was nobody to complain to so what they did is they froze the card and they told me that the card is Frozen cuz the system didn't on its own for XXXX hours I explained to them that that's the way I get home and I was trying to buy myself some food cuz I'm hungry the rap did not care at all she said that's how the system is that I should have read the terms and conditions I never knew that a company could just freeze your money and not let you access it at all
Product: Credit reporting, credit repair services, or other personal consumer reports

My public records were approved to be blocked by XXXX XXXX. I have forwarded the confirmation to Experian and XXXX to process and remove the accounts, but they are stating they investigated and came back as accurate, but this is not true, they never reached out to XXXX XXXX to confirm,. I have mailed the confirmation to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by uploading the info to Experian and XXXX.
Product: Credit reporting or other personal consumer reports

The credit reporting agency XXXX is in violation of 15 USC 1681 sec 604a section 2, because it states that a Consumer reporting agency can not furnish an account w/o my written instruction. I did NOT give consent nor written instruction to any credit agency to report my nonpublic personal information.

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 XXXX XXXX am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal, or non-verbal to report my nonpublic personal information. 

XXXX XXXX XXXX violates the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt-out because I was never notified by XXXX, XXXX that my nonpublic personal information was going to be shared with non-affiliated third parties such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt-out notice every thirty ( 30 ) days which XXXX, XXXX never sent to me. I am exercising my rights under 16 CFR 313.7 Form of opt-out notice to consumers. 

XXXX XXXX XXXX violated the terms and conditions within their banking agreement because XXXX XXXX XXXX states that they do not provide consumer information to third parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive THREE disclosures before my nonpublic personal information is shared but I never received notice. XXXX XXXX XXXX ALSO unlawfully sold this debt to a third party AFTER the debt had already been tendered in accordance with UCC 3-603 et al. I have never had a contract or agreement with any third parties and I do NOT consent to them reporting any account to my credit report. I am invoking all rights under OPT OUT and to Privacy protected by 15 USC 6802 B, 12 CFR 1022.24, 15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al. Please see 15 USC 6802 B ) OPT OUT below. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations All Charge off 's are certificates of indebtedness, which is considered income and must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming I am not who I say I am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. XXXX XXXX  acct # XXXX & Experian did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A )
Product: Debt collection

I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it's affecting me a great deal as I used PayPal quite frequently, and my Balance has been holding for 180 days, despite the chargeback on my account is extremely low and the costumer 's satisfaction is very high, paypal didn't request any document or anything at all, they suddenly closed my account and XXXX me up. if they don't reopen my account at least they should let me to move my money some where else..my email associated with paypal is ( XXXX )..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a copy of my credit report from Transunion notifying me of negative items on my credit report. On XXXX XXXX, I sent them a letter under FCRA guidelines to properly investigate and delete all unverified items and notify me when such is done. I then received a letter from Transunion on XX/XX/2019 stating that the items were verified. I received no evidence that it was verified with my signature which is required under section 609 and 611 of the FCRA. I sent another letter on XX/XX/2019 to notify them the items have not still been properly verified. I then received another letter on XX/XX/2019 which held the same information that the previous letters contained. They are not operating under the laws of the Fair Credit Reporting Act and it is being shown in their unprofessional investigations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX has refused to remove inaccurate items from my credit report despite my repeated requests, proper verification of my identity, and compliance with all required procedures. The disputed items are linked to a report I filed with the FTC for identity theft. Despite providing XXXX with proper documentation and requesting the original documents bearing my wet ink signature, XXXX has failed to deliver the requested documents or adequately verify the debt as required under the Fair Credit Reporting Act ( FCRA ). 

I previously made a complaint to XXXX around XXXX of 2024, in response to which XXXX only provided a statement of charges but did not supply the original signed agreements for the alleged debts. These items are not recognized by me and may have been tied to personal information exposed in the widely reported XXXX and XXXX XXXX XXXX data breaches. 

This situation violates my rights under the FCRA, specifically : Section 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable investigation when a dispute is raised regarding the accuracy of information.

Section 609 ( a ) ( 1 ), which provides consumers the right to access all information on file related to them.

Section 605B, which requires credit bureaus to block disputed items resulting from identity theft within four business days upon receiving proof of identity theft, including an FTC Identity Theft Report. 

XXXX refusal to act in accordance with these laws constitutes a failure to fulfill their obligations. Additionally, Experians lack of genuine investigation aligns with ongoing complaints against them, as demonstrated by the CFPBs recent lawsuit against XXXX for inadequate dispute investigations. 

I am requesting that XXXX remove these inaccuracies from my credit report immediatelyno later than four business daysper the timeline set forth in FCRA Section 605B. This situation has been ongoing for far too long, negatively impacting my financial health and trust in XXXX practices. 

Failure to address these inaccuracies promptly reflects poorly on XXXX adherence to federal consumer protection laws and reinforces patterns of negligence that already make them the subject of regulatory action.
Product: Money transfer, virtual currency, or money service

I had a XXXX XXXX in XXXX, NC called XXXX XXXX, XXXX XX/XX/XXXX. I set up a Merchant Card services account through Bank of America in my name and social security number so we could run people 's credit cards. I left the company on XX/XX/XXXX. I was XXXX XXXX with a friend and another friend took over my XXXX % XXXX. I have a letter stating that. However, they DID NOT remove my social security number from the merchant services account through BOA. I did NOT know that. NOW the IRS has audited me for XX/XX/XXXX and they are saying I ran over {$9000.00} thru that and made that as income. I have n't worked there for 7 years! I called BOA immediately and they were short and rude and said they can not disclose the account bc I did n't have the merchant ID #. I said, you have an account under my social security number, so, you have to speak with me about the account, period. They finally did, after many phone calls but they will NOT give me a corrected XXXX showing I made XXXX dollars from that company in XX/XX/XXXX. They keep saying they 'll call me back and sending me to different departments. I have an IRS DEADLINE and they will not help me. I need help STAT. Thank you so much.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 {$1200.00} was sent to a XXXX XXXX from my XXXX checking account via Cashapp to another user by the name of XXXX XXXX ( $ XXXX ) with at XXXX for electrical services because he said the housing unit would need to be rewired. By Friday XX/XX/2023 the work still had not been done so I requested to have the transfer canceled and sent the screen shots to Cashapp to show he had not delivered as promised. I also called another electrician who advised that all that needed to be done was replace a breaker and he completed the work at a total cost of {$150.00} which would clearly indicate I had been scammed. Both Cashapp and my XXXX bank have refused to refund funds back to my account due to it being a bank transfer through Cashapp and not bank to bank. I have shown both places my text transcripts, shown proof of service from the second electrician, the individuals advertisements but to no avail. This morning, I also filed a complaint not only here, but with the Ohio AG and will continue through the weekend to file as many complaints through different agencies as I possibly can.